Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$222,822Cash toward the purchase price.
Closing costs + prepaids$14,853Not just lender fees.
Before credits & paid funds$237,675The complete starting cash picture.
Estimated remaining funds due at closing
$237,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,821.76
Your down payment$222,821.76
Closing costs + prepaids$14,853.03
Total buyer cash needed$237,674.79
Remaining funds due$237,674.79
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)$388.25
Initial HOA (3 months)$112.50
Prepaid interest, first (28 days)$1,887.28
Fees + prepaids$14,853.03
Your down payment is the seller’s equity. You take over the $376,178 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $237,674.79 is due at closing. Uses and sources reconcile at $613,853.03 each. Not a Closing Disclosure.