Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$558,512Cash toward the purchase price.
Closing costs + prepaids$13,987Not just lender fees.
Before credits & paid funds$572,499The complete starting cash picture.
Estimated remaining funds due at closing
$572,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$558,512.13
Your down payment$558,512.13
Closing costs + prepaids$13,987.14
Total buyer cash needed$572,499.27
Remaining funds due$572,499.27
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)$1,328.50
Initial HOA (3 months)$92.49
Prepaid interest, first (27 days)$92.15
Fees + prepaids$13,987.14
Your down payment is the seller’s equity. You take over the $41,388 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $572,499.27 is due at closing. Uses and sources reconcile at $613,887.14 each. Not a Closing Disclosure.