Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$589,467Cash toward the purchase price.
Closing costs + prepaids$15,430Not just lender fees.
Before credits & paid funds$604,896The complete starting cash picture.
Estimated remaining funds due at closing
$604,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$589,466.71
Your down payment$589,466.71
Closing costs + prepaids$15,429.63
Total buyer cash needed$604,896.35
Remaining funds due$604,896.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,300.00
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)$1,575.00
Initial HOA (3 months)$900.00
Prepaid interest, first (24 days)$179.63
Fees + prepaids$15,429.63
Your down payment is the seller’s equity. You take over the $40,533 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $604,896.35 is due at closing. Uses and sources reconcile at $645,429.63 each. Not a Closing Disclosure.