Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$549,347Cash toward the purchase price.
Closing costs + prepaids$14,287Not just lender fees.
Before credits & paid funds$563,634The complete starting cash picture.
Estimated remaining funds due at closing
$563,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$549,347.33
Your down payment$549,347.33
Closing costs + prepaids$14,286.94
Total buyer cash needed$563,634.28
Remaining funds due$563,634.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$1,525.00
Prepaid interest, first (25 days)$186.94
Fees + prepaids$14,286.94
Your down payment is the seller’s equity. You take over the $60,653 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $563,634.28 is due at closing. Uses and sources reconcile at $624,286.94 each. Not a Closing Disclosure.