Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$472,556Cash toward the purchase price.
Closing costs + prepaids$13,519Not just lender fees.
Before credits & paid funds$486,075The complete starting cash picture.
Estimated remaining funds due at closing
$486,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$472,555.52
Your down payment$472,555.52
Closing costs + prepaids$13,519.02
Total buyer cash needed$486,074.54
Remaining funds due$486,074.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,031.00
Initial HOA (3 months)$200.01
Prepaid interest, first (1 days)$13.01
Fees + prepaids$13,519.02
Your down payment is the seller’s equity. You take over the $107,444 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $486,074.54 is due at closing. Uses and sources reconcile at $593,519.02 each. Not a Closing Disclosure.