Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$585,124Cash toward the purchase price.
Closing costs + prepaids$17,788Not just lender fees.
Before credits & paid funds$602,912The complete starting cash picture.
Estimated remaining funds due at closing
$602,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$585,124.16
Your down payment$585,124.16
Closing costs + prepaids$17,788.11
Total buyer cash needed$602,912.27
Remaining funds due$602,912.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,480.00
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)$1,020.00
Initial HOA (3 months)$200.01
Prepaid interest, first (28 days)$863.10
Fees + prepaids$17,788.11
Your down payment is the seller’s equity. You take over the $262,876 balance, so the rest of the $848,000 price is paid at closing. A second mortgage can cover part of it. $602,912.27 is due at closing. Uses and sources reconcile at $865,788.11 each. Not a Closing Disclosure.