Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$607,062Cash toward the purchase price.
Closing costs + prepaids$13,417Not just lender fees.
Before credits & paid funds$620,478The complete starting cash picture.
Estimated remaining funds due at closing
$620,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$607,061.72
Your down payment$607,061.72
Closing costs + prepaids$13,416.54
Total buyer cash needed$620,478.26
Remaining funds due$620,478.26
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)$581.75
Initial HOA (3 months)$100.74
Prepaid interest, first (31 days)$69.05
Fees + prepaids$13,416.54
Your down payment is the seller’s equity. You take over the $11,938 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $620,478.26 is due at closing. Uses and sources reconcile at $632,416.54 each. Not a Closing Disclosure.