Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$556,139Cash toward the purchase price.
Closing costs + prepaids$13,140Not just lender fees.
Before credits & paid funds$569,279The complete starting cash picture.
Estimated remaining funds due at closing
$569,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$556,138.52
Your down payment$556,138.52
Closing costs + prepaids$13,140.21
Total buyer cash needed$569,278.73
Remaining funds due$569,278.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$553.50
Prepaid interest, first (28 days)$111.71
Fees + prepaids$13,140.21
Your down payment is the seller’s equity. You take over the $43,861 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $569,278.73 is due at closing. Uses and sources reconcile at $613,140.21 each. Not a Closing Disclosure.