Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$94,895Cash toward the purchase price.
Closing costs + prepaids$16,475Not just lender fees.
Before credits & paid funds$111,369The complete starting cash picture.
Estimated remaining funds due at closing
$111,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,894.83
Your down payment$94,894.83
Closing costs + prepaids$16,474.65
Total buyer cash needed$111,369.48
Remaining funds due$111,369.48
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)$1,500.00
Prepaid interest, first (27 days)$2,499.65
Fees + prepaids$16,474.65
Your down payment is the seller’s equity. You take over the $505,105 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $111,369.48 is due at closing. Uses and sources reconcile at $616,474.65 each. Not a Closing Disclosure.