Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$544,582Cash toward the purchase price.
Closing costs + prepaids$23,306Not just lender fees.
Before credits & paid funds$567,889The complete starting cash picture.
Estimated remaining funds due at closing
$567,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$544,582.43
Your down payment$544,582.43
Closing costs + prepaids$23,306.18
Total buyer cash needed$567,888.62
Remaining funds due$567,888.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,450.00
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)$2,862.50
Prepaid interest, first (28 days)$1,768.68
Fees + prepaids$23,306.18
Your down payment is the seller’s equity. You take over the $600,418 balance, so the rest of the $1,145,000 price is paid at closing. A second mortgage can cover part of it. $567,888.62 is due at closing. Uses and sources reconcile at $1,168,306.18 each. Not a Closing Disclosure.