Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$573,292Cash toward the purchase price.
Closing costs + prepaids$22,632Not just lender fees.
Before credits & paid funds$595,923The complete starting cash picture.
Estimated remaining funds due at closing
$595,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$573,291.52
Your down payment$573,291.52
Closing costs + prepaids$22,631.77
Total buyer cash needed$595,923.29
Remaining funds due$595,923.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,999.00
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)$2,749.75
Prepaid interest, first (26 days)$1,658.02
Fees + prepaids$22,631.77
Your down payment is the seller’s equity. You take over the $526,608 balance, so the rest of the $1,099,900 price is paid at closing. A second mortgage can cover part of it. $595,923.29 is due at closing. Uses and sources reconcile at $1,122,531.77 each. Not a Closing Disclosure.