Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$437,001Cash toward the purchase price.
Closing costs + prepaids$13,676Not just lender fees.
Before credits & paid funds$450,678The complete starting cash picture.
Estimated remaining funds due at closing
$450,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$437,001.44
Your down payment$437,001.44
Closing costs + prepaids$13,676.13
Total buyer cash needed$450,677.57
Remaining funds due$450,677.57
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)$555.25
Initial HOA (3 months)$194.25
Prepaid interest, first (20 days)$551.63
Fees + prepaids$13,676.13
Your down payment is the seller’s equity. You take over the $152,999 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $450,677.57 is due at closing. Uses and sources reconcile at $603,676.13 each. Not a Closing Disclosure.