Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$479,740Cash toward the purchase price.
Closing costs + prepaids$13,742Not just lender fees.
Before credits & paid funds$493,482The complete starting cash picture.
Estimated remaining funds due at closing
$493,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$479,740.05
Your down payment$479,740.05
Closing costs + prepaids$13,741.92
Total buyer cash needed$493,481.97
Remaining funds due$493,481.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,011.75
Initial HOA (3 months)$96.00
Prepaid interest, first (26 days)$409.17
Fees + prepaids$13,741.92
Your down payment is the seller’s equity. You take over the $95,260 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $493,481.97 is due at closing. Uses and sources reconcile at $588,741.92 each. Not a Closing Disclosure.