Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$580,839Cash toward the purchase price.
Closing costs + prepaids$14,423Not just lender fees.
Before credits & paid funds$595,261The complete starting cash picture.
Estimated remaining funds due at closing
$595,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$580,838.61
Your down payment$580,838.61
Closing costs + prepaids$14,422.67
Total buyer cash needed$595,261.28
Remaining funds due$595,261.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,200.00
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)$1,550.00
Prepaid interest, first (28 days)$197.67
Fees + prepaids$14,422.67
Your down payment is the seller’s equity. You take over the $39,161 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $595,261.28 is due at closing. Uses and sources reconcile at $634,422.67 each. Not a Closing Disclosure.