Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$578,699Cash toward the purchase price.
Closing costs + prepaids$13,083Not just lender fees.
Before credits & paid funds$591,782The complete starting cash picture.
Estimated remaining funds due at closing
$591,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$578,698.64
Your down payment$578,698.64
Closing costs + prepaids$13,083.05
Total buyer cash needed$591,781.68
Remaining funds due$591,781.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,249.00
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)$350.25
Prepaid interest, first (1 days)$8.80
Fees + prepaids$13,083.05
Your down payment is the seller’s equity. You take over the $46,201 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $591,781.68 is due at closing. Uses and sources reconcile at $637,983.05 each. Not a Closing Disclosure.