Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$576,401Cash toward the purchase price.
Closing costs + prepaids$31,150Not just lender fees.
Before credits & paid funds$607,551The complete starting cash picture.
Estimated remaining funds due at closing
$607,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$576,401.36
Your down payment$576,401.36
Closing costs + prepaids$31,149.64
Total buyer cash needed$607,551.00
Remaining funds due$607,551.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$15,990.00
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)$3,997.50
Prepaid interest, first (23 days)$3,937.14
Fees + prepaids$31,149.64
Your down payment is the seller’s equity. You take over the $1,022,599 balance, so the rest of the $1,599,000 price is paid at closing. A second mortgage can cover part of it. $607,551.00 is due at closing. Uses and sources reconcile at $1,630,149.64 each. Not a Closing Disclosure.