Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$582,218Cash toward the purchase price.
Closing costs + prepaids$13,247Not just lender fees.
Before credits & paid funds$595,465The complete starting cash picture.
Estimated remaining funds due at closing
$595,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$582,218.08
Your down payment$582,218.08
Closing costs + prepaids$13,247.21
Total buyer cash needed$595,465.29
Remaining funds due$595,465.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$661.50
Initial HOA (3 months)$24.99
Prepaid interest, first (27 days)$86.72
Fees + prepaids$13,247.21
Your down payment is the seller’s equity. You take over the $17,682 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $595,465.29 is due at closing. Uses and sources reconcile at $613,147.21 each. Not a Closing Disclosure.