Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$133,151Cash toward the purchase price.
Closing costs + prepaids$15,917Not just lender fees.
Before credits & paid funds$149,068The complete starting cash picture.
Estimated remaining funds due at closing
$149,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,151.17
Your down payment$133,151.17
Closing costs + prepaids$15,916.78
Total buyer cash needed$149,067.94
Remaining funds due$149,067.94
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)$1,092.50
Initial HOA (3 months)$123.75
Prepaid interest, first (25 days)$2,225.53
Fees + prepaids$15,916.78
Your down payment is the seller’s equity. You take over the $466,849 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $149,067.94 is due at closing. Uses and sources reconcile at $615,916.78 each. Not a Closing Disclosure.