Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$592,721Cash toward the purchase price.
Closing costs + prepaids$14,079Not just lender fees.
Before credits & paid funds$606,800The complete starting cash picture.
Estimated remaining funds due at closing
$606,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$592,721.20
Your down payment$592,721.20
Closing costs + prepaids$14,078.62
Total buyer cash needed$606,799.81
Remaining funds due$606,799.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,050.00
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)$1,512.50
Prepaid interest, first (18 days)$41.12
Fees + prepaids$14,078.62
Your down payment is the seller’s equity. You take over the $12,279 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $606,799.81 is due at closing. Uses and sources reconcile at $619,078.62 each. Not a Closing Disclosure.