Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$579,345Cash toward the purchase price.
Closing costs + prepaids$13,552Not just lender fees.
Before credits & paid funds$592,897The complete starting cash picture.
Estimated remaining funds due at closing
$592,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$579,344.81
Your down payment$579,344.81
Closing costs + prepaids$13,552.07
Total buyer cash needed$592,896.87
Remaining funds due$592,896.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$750.00
Prepaid interest, first (9 days)$78.07
Fees + prepaids$13,552.07
Your down payment is the seller’s equity. You take over the $45,555 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $592,896.87 is due at closing. Uses and sources reconcile at $638,452.07 each. Not a Closing Disclosure.