Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$599,568Cash toward the purchase price.
Closing costs + prepaids$13,620Not just lender fees.
Before credits & paid funds$613,188The complete starting cash picture.
Estimated remaining funds due at closing
$613,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$599,568.39
Your down payment$599,568.39
Closing costs + prepaids$13,619.58
Total buyer cash needed$613,187.97
Remaining funds due$613,187.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,190.00
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)$503.00
Initial HOA (3 months)$375.00
Prepaid interest, first (21 days)$76.58
Fees + prepaids$13,619.58
Your down payment is the seller’s equity. You take over the $19,432 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $613,187.97 is due at closing. Uses and sources reconcile at $632,619.58 each. Not a Closing Disclosure.