Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$565,130Cash toward the purchase price.
Closing costs + prepaids$12,544Not just lender fees.
Before credits & paid funds$577,674The complete starting cash picture.
Estimated remaining funds due at closing
$577,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$565,130.37
Your down payment$565,130.37
Closing costs + prepaids$12,544.12
Total buyer cash needed$577,674.49
Remaining funds due$577,674.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$281.75
Prepaid interest, first (20 days)$37.37
Fees + prepaids$12,544.12
Your down payment is the seller’s equity. You take over the $9,870 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $577,674.49 is due at closing. Uses and sources reconcile at $587,544.12 each. Not a Closing Disclosure.