Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$566,969Cash toward the purchase price.
Closing costs + prepaids$26,293Not just lender fees.
Before credits & paid funds$593,261The complete starting cash picture.
Estimated remaining funds due at closing
$593,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$566,968.79
Your down payment$566,968.79
Closing costs + prepaids$26,292.65
Total buyer cash needed$593,261.44
Remaining funds due$593,261.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,000.00
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)$3,250.00
Prepaid interest, first (23 days)$2,817.65
Fees + prepaids$26,292.65
Your down payment is the seller’s equity. You take over the $733,031 balance, so the rest of the $1,300,000 price is paid at closing. A second mortgage can cover part of it. $593,261.44 is due at closing. Uses and sources reconcile at $1,326,292.65 each. Not a Closing Disclosure.