Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$599,568Cash toward the purchase price.
Closing costs + prepaids$13,819Not just lender fees.
Before credits & paid funds$613,388The complete starting cash picture.
Estimated remaining funds due at closing
$613,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$599,568.39
Your down payment$599,568.39
Closing costs + prepaids$13,819.22
Total buyer cash needed$613,387.60
Remaining funds due$613,387.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$742.75
Initial HOA (3 months)$375.00
Prepaid interest, first (10 days)$36.47
Fees + prepaids$13,819.22
Your down payment is the seller’s equity. You take over the $19,432 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $613,387.60 is due at closing. Uses and sources reconcile at $632,819.22 each. Not a Closing Disclosure.