Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$509,502Cash toward the purchase price.
Closing costs + prepaids$13,568Not just lender fees.
Before credits & paid funds$523,070The complete starting cash picture.
Estimated remaining funds due at closing
$523,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$509,502.10
Your down payment$509,502.10
Closing costs + prepaids$13,567.94
Total buyer cash needed$523,070.04
Remaining funds due$523,070.04
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)$864.75
Initial HOA (3 months)$300.00
Prepaid interest, first (30 days)$178.19
Fees + prepaids$13,567.94
Your down payment is the seller’s equity. You take over the $65,498 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $523,070.04 is due at closing. Uses and sources reconcile at $588,567.94 each. Not a Closing Disclosure.