Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$576,240Cash toward the purchase price.
Closing costs + prepaids$14,305Not just lender fees.
Before credits & paid funds$590,544The complete starting cash picture.
Estimated remaining funds due at closing
$590,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$576,239.66
Your down payment$576,239.66
Closing costs + prepaids$14,304.52
Total buyer cash needed$590,544.18
Remaining funds due$590,544.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
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)$1,562.50
Prepaid interest, first (2 days)$17.02
Fees + prepaids$14,304.52
Your down payment is the seller’s equity. You take over the $48,760 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $590,544.18 is due at closing. Uses and sources reconcile at $639,304.52 each. Not a Closing Disclosure.