Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$572,254Cash toward the purchase price.
Closing costs + prepaids$21,150Not just lender fees.
Before credits & paid funds$593,404The complete starting cash picture.
Estimated remaining funds due at closing
$593,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$572,253.94
Your down payment$572,253.94
Closing costs + prepaids$21,150.35
Total buyer cash needed$593,404.29
Remaining funds due$593,404.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,950.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$599.50
Initial HOA (3 months)$282.00
Prepaid interest, first (20 days)$2,093.85
Fees + prepaids$21,150.35
Your down payment is the seller’s equity. You take over the $522,746 balance, so the rest of the $1,095,000 price is paid at closing. A second mortgage can cover part of it. $593,404.29 is due at closing. Uses and sources reconcile at $1,116,150.35 each. Not a Closing Disclosure.