Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$521,269Cash toward the purchase price.
Closing costs + prepaids$13,526Not just lender fees.
Before credits & paid funds$534,795The complete starting cash picture.
Estimated remaining funds due at closing
$534,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$521,269.13
Your down payment$521,269.13
Closing costs + prepaids$13,525.89
Total buyer cash needed$534,795.02
Remaining funds due$534,795.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,058.75
Initial HOA (3 months)$45.99
Prepaid interest, first (25 days)$247.15
Fees + prepaids$13,525.89
Your down payment is the seller’s equity. You take over the $48,631 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $534,795.02 is due at closing. Uses and sources reconcile at $583,425.89 each. Not a Closing Disclosure.