Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$583,700Cash toward the purchase price.
Closing costs + prepaids$13,630Not just lender fees.
Before credits & paid funds$597,329The complete starting cash picture.
Estimated remaining funds due at closing
$597,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$583,699.61
Your down payment$583,699.61
Closing costs + prepaids$13,629.83
Total buyer cash needed$597,329.45
Remaining funds due$597,329.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.90
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)$972.50
Initial HOA (3 months)$114.99
Prepaid interest, first (23 days)$67.44
Fees + prepaids$13,629.83
Your down payment is the seller’s equity. You take over the $16,290 balance, so the rest of the $599,990 price is paid at closing. A second mortgage can cover part of it. $597,329.45 is due at closing. Uses and sources reconcile at $613,619.83 each. Not a Closing Disclosure.