Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$412,034Cash toward the purchase price.
Closing costs + prepaids$14,494Not just lender fees.
Before credits & paid funds$426,527The complete starting cash picture.
Estimated remaining funds due at closing
$426,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$412,033.66
Your down payment$412,033.66
Closing costs + prepaids$14,493.59
Total buyer cash needed$426,527.25
Remaining funds due$426,527.25
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)$1,497.50
Prepaid interest, first (24 days)$531.09
Fees + prepaids$14,493.59
Your down payment is the seller’s equity. You take over the $186,966 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $426,527.25 is due at closing. Uses and sources reconcile at $613,493.59 each. Not a Closing Disclosure.