Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$551,828Cash toward the purchase price.
Closing costs + prepaids$16,515Not just lender fees.
Before credits & paid funds$568,344The complete starting cash picture.
Estimated remaining funds due at closing
$568,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$551,828.33
Your down payment$551,828.33
Closing costs + prepaids$16,515.48
Total buyer cash needed$568,343.81
Remaining funds due$568,343.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,850.00
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)$751.75
Initial HOA (3 months)$135.00
Prepaid interest, first (22 days)$553.73
Fees + prepaids$16,515.48
Your down payment is the seller’s equity. You take over the $233,172 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $568,343.81 is due at closing. Uses and sources reconcile at $801,515.48 each. Not a Closing Disclosure.