Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$588,975Cash toward the purchase price.
Closing costs + prepaids$13,479Not just lender fees.
Before credits & paid funds$602,454The complete starting cash picture.
Estimated remaining funds due at closing
$602,454No 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$13,479.17
Total buyer cash needed$602,454.02
Remaining funds due$602,454.02
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 (29 days)$90.67
Fees + prepaids$13,479.17
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. $602,454.02 is due at closing. Uses and sources reconcile at $633,379.17 each. Not a Closing Disclosure.