Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$567,318Cash toward the purchase price.
Closing costs + prepaids$13,071Not just lender fees.
Before credits & paid funds$580,389The complete starting cash picture.
Estimated remaining funds due at closing
$580,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$567,318.08
Your down payment$567,318.08
Closing costs + prepaids$13,071.26
Total buyer cash needed$580,389.34
Remaining funds due$580,389.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$702.00
Initial HOA (3 months)$24.99
Prepaid interest, first (6 days)$19.27
Fees + prepaids$13,071.26
Your down payment is the seller’s equity. You take over the $17,682 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $580,389.34 is due at closing. Uses and sources reconcile at $598,071.26 each. Not a Closing Disclosure.