Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$583,138Cash toward the purchase price.
Closing costs + prepaids$25,800Not just lender fees.
Before credits & paid funds$608,937The complete starting cash picture.
Estimated remaining funds due at closing
$608,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$583,137.51
Your down payment$583,137.51
Closing costs + prepaids$25,799.66
Total buyer cash needed$608,937.17
Remaining funds due$608,937.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,499.00
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)$2,874.75
Initial HOA (3 months)$2,784.00
Prepaid interest, first (25 days)$1,416.91
Fees + prepaids$25,799.66
Your down payment is the seller’s equity. You take over the $566,762 balance, so the rest of the $1,149,900 price is paid at closing. A second mortgage can cover part of it. $608,937.17 is due at closing. Uses and sources reconcile at $1,175,699.66 each. Not a Closing Disclosure.