Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$484,002Cash toward the purchase price.
Closing costs + prepaids$13,557Not just lender fees.
Before credits & paid funds$497,559The complete starting cash picture.
Estimated remaining funds due at closing
$497,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,002.21
Your down payment$484,002.21
Closing costs + prepaids$13,556.91
Total buyer cash needed$497,559.12
Remaining funds due$497,559.12
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)$750.00
Initial HOA (3 months)$90.00
Prepaid interest, first (17 days)$242.91
Fees + prepaids$13,556.91
Your down payment is the seller’s equity. You take over the $115,898 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $497,559.12 is due at closing. Uses and sources reconcile at $613,456.91 each. Not a Closing Disclosure.