Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$415,455Cash toward the purchase price.
Closing costs + prepaids$13,314Not just lender fees.
Before credits & paid funds$428,770The complete starting cash picture.
Estimated remaining funds due at closing
$428,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$415,455.10
Your down payment$415,455.10
Closing costs + prepaids$13,314.49
Total buyer cash needed$428,769.59
Remaining funds due$428,769.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$718.75
Prepaid interest, first (10 days)$130.74
Fees + prepaids$13,314.49
Your down payment is the seller’s equity. You take over the $183,545 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $428,769.59 is due at closing. Uses and sources reconcile at $612,314.49 each. Not a Closing Disclosure.