Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$575,416Cash toward the purchase price.
Closing costs + prepaids$13,784Not just lender fees.
Before credits & paid funds$589,200The complete starting cash picture.
Estimated remaining funds due at closing
$589,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$575,416.15
Your down payment$575,416.15
Closing costs + prepaids$13,784.21
Total buyer cash needed$589,200.36
Remaining funds due$589,200.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,689.00
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)$366.50
Prepaid interest, first (26 days)$253.71
Fees + prepaids$13,784.21
Your down payment is the seller’s equity. You take over the $93,484 balance, so the rest of the $668,900 price is paid at closing. A second mortgage can cover part of it. $589,200.36 is due at closing. Uses and sources reconcile at $682,684.21 each. Not a Closing Disclosure.