Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$448,754Cash toward the purchase price.
Closing costs + prepaids$13,791Not just lender fees.
Before credits & paid funds$462,545The complete starting cash picture.
Estimated remaining funds due at closing
$462,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,753.64
Your down payment$448,753.64
Closing costs + prepaids$13,791.20
Total buyer cash needed$462,544.84
Remaining funds due$462,544.84
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)$567.50
Initial HOA (3 months)$285.00
Prepaid interest, first (31 days)$464.70
Fees + prepaids$13,791.20
Your down payment is the seller’s equity. You take over the $151,146 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $462,544.84 is due at closing. Uses and sources reconcile at $613,691.20 each. Not a Closing Disclosure.