Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$579,855Cash toward the purchase price.
Closing costs + prepaids$16,191Not just lender fees.
Before credits & paid funds$596,045The complete starting cash picture.
Estimated remaining funds due at closing
$596,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$579,854.55
Your down payment$579,854.55
Closing costs + prepaids$16,190.84
Total buyer cash needed$596,045.39
Remaining funds due$596,045.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,530.00
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)$748.00
Prepaid interest, first (29 days)$687.84
Fees + prepaids$16,190.84
Your down payment is the seller’s equity. You take over the $173,145 balance, so the rest of the $753,000 price is paid at closing. A second mortgage can cover part of it. $596,045.39 is due at closing. Uses and sources reconcile at $769,190.84 each. Not a Closing Disclosure.