Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$581,109Cash toward the purchase price.
Closing costs + prepaids$14,736Not just lender fees.
Before credits & paid funds$595,844The complete starting cash picture.
Estimated remaining funds due at closing
$595,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$581,108.78
Your down payment$581,108.78
Closing costs + prepaids$14,735.51
Total buyer cash needed$595,844.29
Remaining funds due$595,844.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,400.00
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)$1,600.00
Prepaid interest, first (27 days)$260.51
Fees + prepaids$14,735.51
Your down payment is the seller’s equity. You take over the $58,891 balance, so the rest of the $640,000 price is paid at closing. A second mortgage can cover part of it. $595,844.29 is due at closing. Uses and sources reconcile at $654,735.51 each. Not a Closing Disclosure.