Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$586,241Cash toward the purchase price.
Closing costs + prepaids$18,190Not just lender fees.
Before credits & paid funds$604,431The complete starting cash picture.
Estimated remaining funds due at closing
$604,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$586,240.91
Your down payment$586,240.91
Closing costs + prepaids$18,190.35
Total buyer cash needed$604,431.26
Remaining funds due$604,431.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,299.99
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)$2,075.00
Prepaid interest, first (26 days)$590.36
Fees + prepaids$18,190.35
Your down payment is the seller’s equity. You take over the $243,758 balance, so the rest of the $829,999 price is paid at closing. A second mortgage can cover part of it. $604,431.26 is due at closing. Uses and sources reconcile at $848,189.35 each. Not a Closing Disclosure.