Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$587,506Cash toward the purchase price.
Closing costs + prepaids$13,588Not just lender fees.
Before credits & paid funds$601,094The complete starting cash picture.
Estimated remaining funds due at closing
$601,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$587,505.82
Your down payment$587,505.82
Closing costs + prepaids$13,588.11
Total buyer cash needed$601,093.93
Remaining funds due$601,093.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,294.00
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)$601.25
Prepaid interest, first (27 days)$217.86
Fees + prepaids$13,588.11
Your down payment is the seller’s equity. You take over the $41,894 balance, so the rest of the $629,400 price is paid at closing. A second mortgage can cover part of it. $601,093.93 is due at closing. Uses and sources reconcile at $642,988.11 each. Not a Closing Disclosure.