Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$600,813Cash toward the purchase price.
Closing costs + prepaids$23,270Not just lender fees.
Before credits & paid funds$624,084The complete starting cash picture.
Estimated remaining funds due at closing
$624,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$600,813.22
Your down payment$600,813.22
Closing costs + prepaids$23,270.46
Total buyer cash needed$624,083.68
Remaining funds due$624,083.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,650.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,912.50
Prepaid interest, first (26 days)$1,482.96
Fees + prepaids$23,270.46
Your down payment is the seller’s equity. You take over the $564,187 balance, so the rest of the $1,165,000 price is paid at closing. A second mortgage can cover part of it. $624,083.68 is due at closing. Uses and sources reconcile at $1,188,270.46 each. Not a Closing Disclosure.