Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$559,167Cash toward the purchase price.
Closing costs + prepaids$15,820Not just lender fees.
Before credits & paid funds$574,988The complete starting cash picture.
Estimated remaining funds due at closing
$574,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$559,167.37
Your down payment$559,167.37
Closing costs + prepaids$15,820.41
Total buyer cash needed$574,987.78
Remaining funds due$574,987.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,190.00
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)$1,041.25
Prepaid interest, first (27 days)$364.16
Fees + prepaids$15,820.41
Your down payment is the seller’s equity. You take over the $159,833 balance, so the rest of the $719,000 price is paid at closing. A second mortgage can cover part of it. $574,987.78 is due at closing. Uses and sources reconcile at $734,820.41 each. Not a Closing Disclosure.