Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$576,819Cash toward the purchase price.
Closing costs + prepaids$12,530Not just lender fees.
Before credits & paid funds$589,349The complete starting cash picture.
Estimated remaining funds due at closing
$589,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$576,818.66
Your down payment$576,818.66
Closing costs + prepaids$12,530.40
Total buyer cash needed$589,349.05
Remaining funds due$589,349.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,849.00
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)$160.50
Prepaid interest, first (30 days)$45.90
Fees + prepaids$12,530.40
Your down payment is the seller’s equity. You take over the $8,081 balance, so the rest of the $584,900 price is paid at closing. A second mortgage can cover part of it. $589,349.05 is due at closing. Uses and sources reconcile at $597,430.40 each. Not a Closing Disclosure.