Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$583,423Cash toward the purchase price.
Closing costs + prepaids$13,414Not just lender fees.
Before credits & paid funds$596,837The complete starting cash picture.
Estimated remaining funds due at closing
$596,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$583,423.02
Your down payment$583,423.02
Closing costs + prepaids$13,413.65
Total buyer cash needed$596,836.66
Remaining funds due$596,836.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$718.75
Initial HOA (3 months)$210.00
Prepaid interest, first (7 days)$19.90
Fees + prepaids$13,413.65
Your down payment is the seller’s equity. You take over the $15,577 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $596,836.66 is due at closing. Uses and sources reconcile at $612,413.65 each. Not a Closing Disclosure.