Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$589,869Cash toward the purchase price.
Closing costs + prepaids$17,609Not just lender fees.
Before credits & paid funds$607,478The complete starting cash picture.
Estimated remaining funds due at closing
$607,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$589,869.00
Your down payment$589,869.00
Closing costs + prepaids$17,608.95
Total buyer cash needed$607,477.96
Remaining funds due$607,477.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,950.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,987.50
Prepaid interest, first (24 days)$446.45
Fees + prepaids$17,608.95
Your down payment is the seller’s equity. You take over the $205,131 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $607,477.96 is due at closing. Uses and sources reconcile at $812,608.95 each. Not a Closing Disclosure.