Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$472,640Cash toward the purchase price.
Closing costs + prepaids$13,695Not just lender fees.
Before credits & paid funds$486,334The complete starting cash picture.
Estimated remaining funds due at closing
$486,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$472,639.58
Your down payment$472,639.58
Closing costs + prepaids$13,694.82
Total buyer cash needed$486,334.40
Remaining funds due$486,334.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.00
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)$623.75
Initial HOA (3 months)$330.00
Prepaid interest, first (29 days)$367.07
Fees + prepaids$13,694.82
Your down payment is the seller’s equity. You take over the $117,260 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $486,334.40 is due at closing. Uses and sources reconcile at $603,594.82 each. Not a Closing Disclosure.