Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$446,076Cash toward the purchase price.
Closing costs + prepaids$15,743Not just lender fees.
Before credits & paid funds$461,819The complete starting cash picture.
Estimated remaining funds due at closing
$461,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$446,076.22
Your down payment$446,076.22
Closing costs + prepaids$15,743.13
Total buyer cash needed$461,819.34
Remaining funds due$461,819.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$2,709.75
Initial HOA (3 months)$48.75
Prepaid interest, first (27 days)$559.63
Fees + prepaids$15,743.13
Your down payment is the seller’s equity. You take over the $148,924 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $461,819.34 is due at closing. Uses and sources reconcile at $610,743.13 each. Not a Closing Disclosure.