Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$102,126Cash toward the purchase price.
Closing costs + prepaids$16,341Not just lender fees.
Before credits & paid funds$118,467The complete starting cash picture.
Estimated remaining funds due at closing
$118,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,125.68
Your down payment$102,125.68
Closing costs + prepaids$16,341.38
Total buyer cash needed$118,467.06
Remaining funds due$118,467.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$1,499.75
Prepaid interest, first (27 days)$2,367.63
Fees + prepaids$16,341.38
Your down payment is the seller’s equity. You take over the $497,774 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $118,467.06 is due at closing. Uses and sources reconcile at $616,241.38 each. Not a Closing Disclosure.