Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$178,706Cash toward the purchase price.
Closing costs + prepaids$14,299Not just lender fees.
Before credits & paid funds$193,004The complete starting cash picture.
Estimated remaining funds due at closing
$193,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,705.74
Your down payment$178,705.74
Closing costs + prepaids$14,298.55
Total buyer cash needed$193,004.29
Remaining funds due$193,004.29
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)$984.50
Initial HOA (3 months)$171.00
Prepaid interest, first (24 days)$768.05
Fees + prepaids$14,298.55
Your down payment is the seller’s equity. You take over the $411,294 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $193,004.29 is due at closing. Uses and sources reconcile at $604,298.55 each. Not a Closing Disclosure.