Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$586,651Cash toward the purchase price.
Closing costs + prepaids$14,041Not just lender fees.
Before credits & paid funds$600,692The complete starting cash picture.
Estimated remaining funds due at closing
$600,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$586,651.05
Your down payment$586,651.05
Closing costs + prepaids$14,040.61
Total buyer cash needed$600,691.66
Remaining funds due$600,691.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$1,499.75
Prepaid interest, first (30 days)$66.86
Fees + prepaids$14,040.61
Your down payment is the seller’s equity. You take over the $13,249 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $600,691.66 is due at closing. Uses and sources reconcile at $613,940.61 each. Not a Closing Disclosure.