Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$590,699Cash toward the purchase price.
Closing costs + prepaids$18,726Not just lender fees.
Before credits & paid funds$609,425The complete starting cash picture.
Estimated remaining funds due at closing
$609,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$590,699.44
Your down payment$590,699.44
Closing costs + prepaids$18,725.68
Total buyer cash needed$609,425.12
Remaining funds due$609,425.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,593.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,370.50
Initial HOA (3 months)$675.00
Prepaid interest, first (30 days)$861.28
Fees + prepaids$18,725.68
Your down payment is the seller’s equity. You take over the $268,691 balance, so the rest of the $859,390 price is paid at closing. A second mortgage can cover part of it. $609,425.12 is due at closing. Uses and sources reconcile at $878,115.68 each. Not a Closing Disclosure.