Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$230,103Cash toward the purchase price.
Closing costs + prepaids$15,409Not just lender fees.
Before credits & paid funds$245,512The complete starting cash picture.
Estimated remaining funds due at closing
$245,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,103.22
Your down payment$230,103.22
Closing costs + prepaids$15,408.63
Total buyer cash needed$245,511.86
Remaining funds due$245,511.86
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)$989.25
Initial HOA (3 months)$1,350.00
Prepaid interest, first (23 days)$604.38
Fees + prepaids$15,408.63
Your down payment is the seller’s equity. You take over the $368,897 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $245,511.86 is due at closing. Uses and sources reconcile at $614,408.63 each. Not a Closing Disclosure.