Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$174,274Cash toward the purchase price.
Closing costs + prepaids$14,666Not just lender fees.
Before credits & paid funds$188,941The complete starting cash picture.
Estimated remaining funds due at closing
$188,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,274.37
Your down payment$174,274.37
Closing costs + prepaids$14,666.37
Total buyer cash needed$188,940.74
Remaining funds due$188,940.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$984.75
Initial HOA (3 months)$246.00
Prepaid interest, first (29 days)$960.62
Fees + prepaids$14,666.37
Your down payment is the seller’s equity. You take over the $425,726 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $188,940.74 is due at closing. Uses and sources reconcile at $614,666.37 each. Not a Closing Disclosure.