Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$588,878Cash toward the purchase price.
Closing costs + prepaids$13,392Not just lender fees.
Before credits & paid funds$602,269The complete starting cash picture.
Estimated remaining funds due at closing
$602,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$588,877.82
Your down payment$588,877.82
Closing costs + prepaids$13,391.64
Total buyer cash needed$602,269.46
Remaining funds due$602,269.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,199.00
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)$714.50
Prepaid interest, first (1 days)$3.14
Fees + prepaids$13,391.64
Your down payment is the seller’s equity. You take over the $31,022 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $602,269.46 is due at closing. Uses and sources reconcile at $633,291.64 each. Not a Closing Disclosure.