Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$139,940Cash toward the purchase price.
Closing costs + prepaids$15,821Not just lender fees.
Before credits & paid funds$155,760The complete starting cash picture.
Estimated remaining funds due at closing
$155,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,939.80
Your down payment$139,939.80
Closing costs + prepaids$15,820.53
Total buyer cash needed$155,760.33
Remaining funds due$155,760.33
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)$766.25
Initial HOA (3 months)$705.00
Prepaid interest, first (22 days)$1,884.28
Fees + prepaids$15,820.53
Your down payment is the seller’s equity. You take over the $459,060 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $155,760.33 is due at closing. Uses and sources reconcile at $614,820.53 each. Not a Closing Disclosure.