Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$501,360Cash toward the purchase price.
Closing costs + prepaids$14,373Not just lender fees.
Before credits & paid funds$515,733The complete starting cash picture.
Estimated remaining funds due at closing
$515,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$501,359.83
Your down payment$501,359.83
Closing costs + prepaids$14,372.91
Total buyer cash needed$515,732.74
Remaining funds due$515,732.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,690.00
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)$1,422.50
Initial HOA (3 months)$363.00
Prepaid interest, first (29 days)$422.41
Fees + prepaids$14,372.91
Your down payment is the seller’s equity. You take over the $67,640 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $515,732.74 is due at closing. Uses and sources reconcile at $583,372.91 each. Not a Closing Disclosure.