Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$548,960Cash toward the purchase price.
Closing costs + prepaids$12,392Not just lender fees.
Before credits & paid funds$561,352The complete starting cash picture.
Estimated remaining funds due at closing
$561,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$548,959.82
Your down payment$548,959.82
Closing costs + prepaids$12,392.41
Total buyer cash needed$561,352.22
Remaining funds due$561,352.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$105.00
Prepaid interest, first (30 days)$112.41
Fees + prepaids$12,392.41
Your down payment is the seller’s equity. You take over the $21,040 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $561,352.22 is due at closing. Uses and sources reconcile at $582,392.41 each. Not a Closing Disclosure.