Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$573,909Cash toward the purchase price.
Closing costs + prepaids$20,952Not just lender fees.
Before credits & paid funds$594,861The complete starting cash picture.
Estimated remaining funds due at closing
$594,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$573,909.42
Your down payment$573,909.42
Closing costs + prepaids$20,951.82
Total buyer cash needed$594,861.24
Remaining funds due$594,861.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,750.00
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)$1,568.00
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$1,383.83
Fees + prepaids$20,951.82
Your down payment is the seller’s equity. You take over the $501,091 balance, so the rest of the $1,075,000 price is paid at closing. A second mortgage can cover part of it. $594,861.24 is due at closing. Uses and sources reconcile at $1,095,951.82 each. Not a Closing Disclosure.