Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$102,101Cash toward the purchase price.
Closing costs + prepaids$17,634Not just lender fees.
Before credits & paid funds$119,735The complete starting cash picture.
Estimated remaining funds due at closing
$119,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,101.24
Your down payment$102,101.24
Closing costs + prepaids$17,633.72
Total buyer cash needed$119,734.96
Remaining funds due$119,734.96
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)$1,497.50
Initial HOA (3 months)$2,631.00
Prepaid interest, first (27 days)$1,040.22
Fees + prepaids$17,633.72
Your down payment is the seller’s equity. You take over the $496,899 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $119,734.96 is due at closing. Uses and sources reconcile at $616,633.72 each. Not a Closing Disclosure.