Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$497,722Cash toward the purchase price.
Closing costs + prepaids$13,445Not just lender fees.
Before credits & paid funds$511,167The complete starting cash picture.
Estimated remaining funds due at closing
$511,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$497,722.26
Your down payment$497,722.26
Closing costs + prepaids$13,444.84
Total buyer cash needed$511,167.10
Remaining funds due$511,167.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$710.00
Prepaid interest, first (25 days)$269.84
Fees + prepaids$13,444.84
Your down payment is the seller’s equity. You take over the $101,278 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $511,167.10 is due at closing. Uses and sources reconcile at $612,444.84 each. Not a Closing Disclosure.