Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$571,061Cash toward the purchase price.
Closing costs + prepaids$22,494Not just lender fees.
Before credits & paid funds$593,554The complete starting cash picture.
Estimated remaining funds due at closing
$593,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$571,060.63
Your down payment$571,060.63
Closing costs + prepaids$22,493.52
Total buyer cash needed$593,554.16
Remaining funds due$593,554.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,990.00
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)$2,747.50
Prepaid interest, first (29 days)$1,531.02
Fees + prepaids$22,493.52
Your down payment is the seller’s equity. You take over the $527,939 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $593,554.16 is due at closing. Uses and sources reconcile at $1,121,493.52 each. Not a Closing Disclosure.