Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$570,037Cash toward the purchase price.
Closing costs + prepaids$18,984Not just lender fees.
Before credits & paid funds$589,021The complete starting cash picture.
Estimated remaining funds due at closing
$589,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$570,037.02
Your down payment$570,037.02
Closing costs + prepaids$18,983.70
Total buyer cash needed$589,020.72
Remaining funds due$589,020.72
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)$89.50
Initial HOA (3 months)$585.00
Prepaid interest, first (1 days)$94.20
Fees + prepaids$18,983.70
Your down payment is the seller’s equity. You take over the $528,963 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $589,020.72 is due at closing. Uses and sources reconcile at $1,117,983.70 each. Not a Closing Disclosure.