Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$498,624Cash toward the purchase price.
Closing costs + prepaids$14,230Not just lender fees.
Before credits & paid funds$512,855The complete starting cash picture.
Estimated remaining funds due at closing
$512,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$498,624.48
Your down payment$498,624.48
Closing costs + prepaids$14,230.24
Total buyer cash needed$512,854.72
Remaining funds due$512,854.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$1,547.50
Prepaid interest, first (1 days)$17.74
Fees + prepaids$14,230.24
Your down payment is the seller’s equity. You take over the $120,376 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $512,854.72 is due at closing. Uses and sources reconcile at $633,230.24 each. Not a Closing Disclosure.