Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$588,975Cash toward the purchase price.
Closing costs + prepaids$13,485Not just lender fees.
Before credits & paid funds$602,460The complete starting cash picture.
Estimated remaining funds due at closing
$602,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$588,974.85
Your down payment$588,974.85
Closing costs + prepaids$13,485.42
Total buyer cash needed$602,460.27
Remaining funds due$602,460.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.00
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)$714.50
Prepaid interest, first (31 days)$96.92
Fees + prepaids$13,485.42
Your down payment is the seller’s equity. You take over the $30,925 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $602,460.27 is due at closing. Uses and sources reconcile at $633,385.42 each. Not a Closing Disclosure.