Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$564,699Cash toward the purchase price.
Closing costs + prepaids$16,484Not just lender fees.
Before credits & paid funds$581,183The complete starting cash picture.
Estimated remaining funds due at closing
$581,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$564,698.81
Your down payment$564,698.81
Closing costs + prepaids$16,484.31
Total buyer cash needed$581,183.12
Remaining funds due$581,183.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$614.25
Initial HOA (3 months)$336.00
Prepaid interest, first (31 days)$559.06
Fees + prepaids$16,484.31
Your down payment is the seller’s equity. You take over the $210,301 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $581,183.12 is due at closing. Uses and sources reconcile at $791,484.31 each. Not a Closing Disclosure.