Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$411,443Cash toward the purchase price.
Closing costs + prepaids$14,007Not just lender fees.
Before credits & paid funds$425,449The complete starting cash picture.
Estimated remaining funds due at closing
$425,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,442.51
Your down payment$411,442.51
Closing costs + prepaids$14,006.90
Total buyer cash needed$425,449.41
Remaining funds due$425,449.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$1,497.50
Prepaid interest, first (2 days)$44.40
Fees + prepaids$14,006.90
Your down payment is the seller’s equity. You take over the $187,557 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $425,449.41 is due at closing. Uses and sources reconcile at $613,006.90 each. Not a Closing Disclosure.