Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$552,339Cash toward the purchase price.
Closing costs + prepaids$13,662Not just lender fees.
Before credits & paid funds$566,002The complete starting cash picture.
Estimated remaining funds due at closing
$566,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$552,339.13
Your down payment$552,339.13
Closing costs + prepaids$13,662.41
Total buyer cash needed$566,001.55
Remaining funds due$566,001.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,200.00
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)$740.75
Initial HOA (3 months)$66.00
Prepaid interest, first (22 days)$180.66
Fees + prepaids$13,662.41
Your down payment is the seller’s equity. You take over the $67,661 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $566,001.55 is due at closing. Uses and sources reconcile at $633,662.41 each. Not a Closing Disclosure.