Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$447,058Cash toward the purchase price.
Closing costs + prepaids$13,511Not just lender fees.
Before credits & paid funds$460,569The complete starting cash picture.
Estimated remaining funds due at closing
$460,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$447,058.11
Your down payment$447,058.11
Closing costs + prepaids$13,510.55
Total buyer cash needed$460,568.66
Remaining funds due$460,568.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$720.00
Initial HOA (3 months)$154.50
Prepaid interest, first (10 days)$162.05
Fees + prepaids$13,510.55
Your down payment is the seller’s equity. You take over the $152,842 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $460,568.66 is due at closing. Uses and sources reconcile at $613,410.55 each. Not a Closing Disclosure.