Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$451,204Cash toward the purchase price.
Closing costs + prepaids$13,965Not just lender fees.
Before credits & paid funds$465,170The complete starting cash picture.
Estimated remaining funds due at closing
$465,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,204.09
Your down payment$451,204.09
Closing costs + prepaids$13,965.47
Total buyer cash needed$465,169.56
Remaining funds due$465,169.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.99
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)$1,037.00
Initial HOA (3 months)$192.99
Prepaid interest, first (24 days)$360.49
Fees + prepaids$13,965.47
Your down payment is the seller’s equity. You take over the $138,795 balance, so the rest of the $589,999 price is paid at closing. A second mortgage can cover part of it. $465,169.56 is due at closing. Uses and sources reconcile at $603,964.47 each. Not a Closing Disclosure.