Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$425,422Cash toward the purchase price.
Closing costs + prepaids$13,849Not just lender fees.
Before credits & paid funds$439,271The complete starting cash picture.
Estimated remaining funds due at closing
$439,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,421.90
Your down payment$425,421.90
Closing costs + prepaids$13,849.40
Total buyer cash needed$439,271.30
Remaining funds due$439,271.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,100.00
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)$901.00
Prepaid interest, first (26 days)$373.40
Fees + prepaids$13,849.40
Your down payment is the seller’s equity. You take over the $184,578 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $439,271.30 is due at closing. Uses and sources reconcile at $623,849.40 each. Not a Closing Disclosure.