Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$583,331Cash toward the purchase price.
Closing costs + prepaids$13,465Not just lender fees.
Before credits & paid funds$596,796The complete starting cash picture.
Estimated remaining funds due at closing
$596,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$583,331.44
Your down payment$583,331.44
Closing costs + prepaids$13,464.94
Total buyer cash needed$596,796.37
Remaining funds due$596,796.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$797.75
Initial HOA (3 months)$120.00
Prepaid interest, first (31 days)$72.20
Fees + prepaids$13,464.94
Your down payment is the seller’s equity. You take over the $16,668 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $596,796.37 is due at closing. Uses and sources reconcile at $613,463.94 each. Not a Closing Disclosure.