Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$564,662Cash toward the purchase price.
Closing costs + prepaids$13,664Not just lender fees.
Before credits & paid funds$578,326The complete starting cash picture.
Estimated remaining funds due at closing
$578,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$564,661.58
Your down payment$564,661.58
Closing costs + prepaids$13,664.21
Total buyer cash needed$578,325.79
Remaining funds due$578,325.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,749.99
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)$1,437.50
Prepaid interest, first (1 days)$1.72
Fees + prepaids$13,664.21
Your down payment is the seller’s equity. You take over the $10,337 balance, so the rest of the $574,999 price is paid at closing. A second mortgage can cover part of it. $578,325.79 is due at closing. Uses and sources reconcile at $588,663.21 each. Not a Closing Disclosure.