Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$581,976Cash toward the purchase price.
Closing costs + prepaids$14,038Not just lender fees.
Before credits & paid funds$596,014The complete starting cash picture.
Estimated remaining funds due at closing
$596,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$581,975.67
Your down payment$581,975.67
Closing costs + prepaids$14,038.40
Total buyer cash needed$596,014.06
Remaining funds due$596,014.06
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)$75.90
Fees + prepaids$14,038.40
Your down payment is the seller’s equity. You take over the $17,024 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $596,014.06 is due at closing. Uses and sources reconcile at $613,038.40 each. Not a Closing Disclosure.