Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$141,602Cash toward the purchase price.
Closing costs + prepaids$15,783Not just lender fees.
Before credits & paid funds$157,385The complete starting cash picture.
Estimated remaining funds due at closing
$157,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,602.09
Your down payment$141,602.09
Closing costs + prepaids$15,783.23
Total buyer cash needed$157,385.33
Remaining funds due$157,385.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,980.00
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)$1,713.75
Initial HOA (3 months)$120.00
Prepaid interest, first (24 days)$1,494.48
Fees + prepaids$15,783.23
Your down payment is the seller’s equity. You take over the $456,398 balance, so the rest of the $598,000 price is paid at closing. A second mortgage can cover part of it. $157,385.33 is due at closing. Uses and sources reconcile at $613,783.23 each. Not a Closing Disclosure.