Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$597,655Cash toward the purchase price.
Closing costs + prepaids$13,573Not just lender fees.
Before credits & paid funds$611,228The complete starting cash picture.
Estimated remaining funds due at closing
$611,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$597,654.84
Your down payment$597,654.84
Closing costs + prepaids$13,573.30
Total buyer cash needed$611,228.14
Remaining funds due$611,228.14
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)$120.99
Prepaid interest, first (12 days)$44.56
Fees + prepaids$13,573.30
Your down payment is the seller’s equity. You take over the $21,345 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $611,228.14 is due at closing. Uses and sources reconcile at $632,573.30 each. Not a Closing Disclosure.