Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$545,879Cash toward the purchase price.
Closing costs + prepaids$13,721Not just lender fees.
Before credits & paid funds$559,600The complete starting cash picture.
Estimated remaining funds due at closing
$559,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$545,879.44
Your down payment$545,879.44
Closing costs + prepaids$13,720.92
Total buyer cash needed$559,600.36
Remaining funds due$559,600.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$1,523.00
Prepaid interest, first (24 days)$72.92
Fees + prepaids$13,720.92
Your down payment is the seller’s equity. You take over the $19,121 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $559,600.36 is due at closing. Uses and sources reconcile at $578,720.92 each. Not a Closing Disclosure.