Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$579,990Cash toward the purchase price.
Closing costs + prepaids$12,659Not just lender fees.
Before credits & paid funds$592,649The complete starting cash picture.
Estimated remaining funds due at closing
$592,649No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$579,990.23
Your down payment$579,990.23
Closing costs + prepaids$12,658.65
Total buyer cash needed$592,648.87
Remaining funds due$592,648.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
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)$281.75
Prepaid interest, first (1 days)$1.90
Fees + prepaids$12,658.65
Your down payment is the seller’s equity. You take over the $10,010 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $592,648.87 is due at closing. Uses and sources reconcile at $602,658.65 each. Not a Closing Disclosure.