Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$586,286Cash toward the purchase price.
Closing costs + prepaids$13,872Not just lender fees.
Before credits & paid funds$600,159The complete starting cash picture.
Estimated remaining funds due at closing
$600,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$586,286.25
Your down payment$586,286.25
Closing costs + prepaids$13,872.34
Total buyer cash needed$600,158.58
Remaining funds due$600,158.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
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)$1,475.00
Prepaid interest, first (28 days)$22.34
Fees + prepaids$13,872.34
Your down payment is the seller’s equity. You take over the $3,714 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $600,158.58 is due at closing. Uses and sources reconcile at $603,872.34 each. Not a Closing Disclosure.