Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$558,594Cash toward the purchase price.
Closing costs + prepaids$17,770Not just lender fees.
Before credits & paid funds$576,364The complete starting cash picture.
Estimated remaining funds due at closing
$576,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$558,594.23
Your down payment$558,594.23
Closing costs + prepaids$17,769.52
Total buyer cash needed$576,363.75
Remaining funds due$576,363.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,092.00
Initial HOA (3 months)$165.00
Prepaid interest, first (26 days)$788.52
Fees + prepaids$17,769.52
Your down payment is the seller’s equity. You take over the $291,306 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $576,363.75 is due at closing. Uses and sources reconcile at $867,669.52 each. Not a Closing Disclosure.