Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$585,099Cash toward the purchase price.
Closing costs + prepaids$18,763Not just lender fees.
Before credits & paid funds$603,862The complete starting cash picture.
Estimated remaining funds due at closing
$603,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$585,098.56
Your down payment$585,098.56
Closing costs + prepaids$18,763.14
Total buyer cash needed$603,861.70
Remaining funds due$603,861.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,199.97
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)$2,300.00
Prepaid interest, first (1 days)$38.17
Fees + prepaids$18,763.14
Your down payment is the seller’s equity. You take over the $334,898 balance, so the rest of the $919,997 price is paid at closing. A second mortgage can cover part of it. $603,861.70 is due at closing. Uses and sources reconcile at $938,760.14 each. Not a Closing Disclosure.