Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$599,441Cash toward the purchase price.
Closing costs + prepaids$20,134Not just lender fees.
Before credits & paid funds$619,575The complete starting cash picture.
Estimated remaining funds due at closing
$619,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$599,440.92
Your down payment$599,440.92
Closing costs + prepaids$20,133.86
Total buyer cash needed$619,574.77
Remaining funds due$619,574.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,480.00
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)$2,370.00
Prepaid interest, first (28 days)$1,058.86
Fees + prepaids$20,133.86
Your down payment is the seller’s equity. You take over the $348,559 balance, so the rest of the $948,000 price is paid at closing. A second mortgage can cover part of it. $619,574.77 is due at closing. Uses and sources reconcile at $968,133.86 each. Not a Closing Disclosure.