Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$8,456Cash toward the purchase price.
Closing costs + prepaids$17,062Not just lender fees.
Before credits & paid funds$25,518The complete starting cash picture.
Estimated remaining funds due at closing
$25,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,455.81
Your down payment$8,455.81
Closing costs + prepaids$17,062.37
Total buyer cash needed$25,518.18
Remaining funds due$25,518.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$1,500.00
Prepaid interest, first (25 days)$3,087.37
Fees + prepaids$17,062.37
Your down payment is the seller’s equity. You take over the $591,544 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $25,518.18 is due at closing. Uses and sources reconcile at $617,062.37 each. Not a Closing Disclosure.