Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$591,198Cash toward the purchase price.
Closing costs + prepaids$14,424Not just lender fees.
Before credits & paid funds$605,621The complete starting cash picture.
Estimated remaining funds due at closing
$605,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$591,197.80
Your down payment$591,197.80
Closing costs + prepaids$14,423.54
Total buyer cash needed$605,621.34
Remaining funds due$605,621.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,590.00
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)$887.00
Initial HOA (3 months)$76.50
Prepaid interest, first (31 days)$395.04
Fees + prepaids$14,423.54
Your down payment is the seller’s equity. You take over the $67,802 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $605,621.34 is due at closing. Uses and sources reconcile at $673,423.54 each. Not a Closing Disclosure.