Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$583,331Cash toward the purchase price.
Closing costs + prepaids$13,444Not just lender fees.
Before credits & paid funds$596,775The complete starting cash picture.
Estimated remaining funds due at closing
$596,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$583,331.44
Your down payment$583,331.44
Closing costs + prepaids$13,443.98
Total buyer cash needed$596,775.41
Remaining funds due$596,775.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$797.75
Initial HOA (3 months)$120.00
Prepaid interest, first (22 days)$51.24
Fees + prepaids$13,443.98
Your down payment is the seller’s equity. You take over the $16,668 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $596,775.41 is due at closing. Uses and sources reconcile at $613,442.98 each. Not a Closing Disclosure.