Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$571,740Cash toward the purchase price.
Closing costs + prepaids$19,161Not just lender fees.
Before credits & paid funds$590,901The complete starting cash picture.
Estimated remaining funds due at closing
$590,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$571,739.64
Your down payment$571,739.64
Closing costs + prepaids$19,161.30
Total buyer cash needed$590,900.94
Remaining funds due$590,900.94
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 (1 days)$104.80
Fees + prepaids$19,161.30
Your down payment is the seller’s equity. You take over the $523,260 balance, so the rest of the $1,095,000 price is paid at closing. A second mortgage can cover part of it. $590,900.94 is due at closing. Uses and sources reconcile at $1,114,161.30 each. Not a Closing Disclosure.