Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$492,345Cash toward the purchase price.
Closing costs + prepaids$13,446Not just lender fees.
Before credits & paid funds$505,791The complete starting cash picture.
Estimated remaining funds due at closing
$505,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$492,344.83
Your down payment$492,344.83
Closing costs + prepaids$13,446.07
Total buyer cash needed$505,790.90
Remaining funds due$505,790.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$957.75
Prepaid interest, first (2 days)$23.32
Fees + prepaids$13,446.07
Your down payment is the seller’s equity. You take over the $106,655 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $505,790.90 is due at closing. Uses and sources reconcile at $612,446.07 each. Not a Closing Disclosure.