Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$223,875Cash toward the purchase price.
Closing costs + prepaids$15,146Not just lender fees.
Before credits & paid funds$239,021The complete starting cash picture.
Estimated remaining funds due at closing
$239,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,874.90
Your down payment$223,874.90
Closing costs + prepaids$15,146.44
Total buyer cash needed$239,021.33
Remaining funds due$239,021.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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 (28 days)$1,171.45
Fees + prepaids$15,146.44
Your down payment is the seller’s equity. You take over the $376,124 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $239,021.33 is due at closing. Uses and sources reconcile at $615,145.44 each. Not a Closing Disclosure.