Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$570,543Cash toward the purchase price.
Closing costs + prepaids$21,060Not just lender fees.
Before credits & paid funds$591,603The complete starting cash picture.
Estimated remaining funds due at closing
$591,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$570,543.24
Your down payment$570,543.24
Closing costs + prepaids$21,059.84
Total buyer cash needed$591,603.08
Remaining funds due$591,603.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,990.00
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)$1,318.75
Initial HOA (3 months)$585.00
Prepaid interest, first (10 days)$941.09
Fees + prepaids$21,059.84
Your down payment is the seller’s equity. You take over the $528,457 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $591,603.08 is due at closing. Uses and sources reconcile at $1,120,059.84 each. Not a Closing Disclosure.