Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$484,002Cash toward the purchase price.
Closing costs + prepaids$13,423Not just lender fees.
Before credits & paid funds$497,425The complete starting cash picture.
Estimated remaining funds due at closing
$497,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,002.21
Your down payment$484,002.21
Closing costs + prepaids$13,422.59
Total buyer cash needed$497,424.80
Remaining funds due$497,424.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$458.50
Initial HOA (3 months)$90.00
Prepaid interest, first (28 days)$400.09
Fees + prepaids$13,422.59
Your down payment is the seller’s equity. You take over the $115,898 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $497,424.80 is due at closing. Uses and sources reconcile at $613,322.59 each. Not a Closing Disclosure.