Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$607,051Cash toward the purchase price.
Closing costs + prepaids$13,352Not just lender fees.
Before credits & paid funds$620,403The complete starting cash picture.
Estimated remaining funds due at closing
$620,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$607,050.57
Your down payment$607,050.57
Closing costs + prepaids$13,351.95
Total buyer cash needed$620,402.52
Remaining funds due$620,402.52
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)$581.75
Initial HOA (3 months)$100.74
Prepaid interest, first (2 days)$4.46
Fees + prepaids$13,351.95
Your down payment is the seller’s equity. You take over the $11,949 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $620,402.52 is due at closing. Uses and sources reconcile at $632,351.95 each. Not a Closing Disclosure.