Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$430,593Cash toward the purchase price.
Closing costs + prepaids$14,234Not just lender fees.
Before credits & paid funds$444,827The complete starting cash picture.
Estimated remaining funds due at closing
$444,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,592.67
Your down payment$430,592.67
Closing costs + prepaids$14,234.18
Total buyer cash needed$444,826.85
Remaining funds due$444,826.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,890.00
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)$1,432.50
Prepaid interest, first (26 days)$436.68
Fees + prepaids$14,234.18
Your down payment is the seller’s equity. You take over the $158,407 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $444,826.85 is due at closing. Uses and sources reconcile at $603,234.18 each. Not a Closing Disclosure.