Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$598,999Cash toward the purchase price.
Closing costs + prepaids$13,299Not just lender fees.
Before credits & paid funds$612,298The complete starting cash picture.
Estimated remaining funds due at closing
$612,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$598,999.07
Your down payment$598,999.07
Closing costs + prepaids$13,299.00
Total buyer cash needed$612,298.07
Remaining funds due$612,298.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$456.00
Initial HOA (3 months)$378.00
Prepaid interest, first (1 days)$0.00
Fees + prepaids$13,299.00
Your down payment is the seller’s equity. You take over the $1 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $612,298.07 is due at closing. Uses and sources reconcile at $612,299.00 each. Not a Closing Disclosure.