Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$603,357Cash toward the purchase price.
Closing costs + prepaids$14,307Not just lender fees.
Before credits & paid funds$617,663The complete starting cash picture.
Estimated remaining funds due at closing
$617,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$603,356.51
Your down payment$603,356.51
Closing costs + prepaids$14,306.60
Total buyer cash needed$617,663.11
Remaining funds due$617,663.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.00
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)$1,549.75
Prepaid interest, first (27 days)$82.85
Fees + prepaids$14,306.60
Your down payment is the seller’s equity. You take over the $16,543 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $617,663.11 is due at closing. Uses and sources reconcile at $634,206.60 each. Not a Closing Disclosure.