Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$594,925Cash toward the purchase price.
Closing costs + prepaids$17,628Not just lender fees.
Before credits & paid funds$612,553The complete starting cash picture.
Estimated remaining funds due at closing
$612,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$594,924.55
Your down payment$594,924.55
Closing costs + prepaids$17,628.03
Total buyer cash needed$612,552.58
Remaining funds due$612,552.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,249.00
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)$1,153.25
Initial HOA (3 months)$174.00
Prepaid interest, first (27 days)$826.78
Fees + prepaids$17,628.03
Your down payment is the seller’s equity. You take over the $229,975 balance, so the rest of the $824,900 price is paid at closing. A second mortgage can cover part of it. $612,552.58 is due at closing. Uses and sources reconcile at $842,528.03 each. Not a Closing Disclosure.