Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$558,762Cash toward the purchase price.
Closing costs + prepaids$15,576Not just lender fees.
Before credits & paid funds$574,338The complete starting cash picture.
Estimated remaining funds due at closing
$574,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$558,761.50
Your down payment$558,761.50
Closing costs + prepaids$15,576.41
Total buyer cash needed$574,337.92
Remaining funds due$574,337.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$2,709.50
Prepaid interest, first (23 days)$141.91
Fees + prepaids$15,576.41
Your down payment is the seller’s equity. You take over the $66,238 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $574,337.92 is due at closing. Uses and sources reconcile at $640,576.41 each. Not a Closing Disclosure.