Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$158,459Cash toward the purchase price.
Closing costs + prepaids$15,261Not just lender fees.
Before credits & paid funds$173,721The complete starting cash picture.
Estimated remaining funds due at closing
$173,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,459.47
Your down payment$158,459.47
Closing costs + prepaids$15,261.11
Total buyer cash needed$173,720.58
Remaining funds due$173,720.58
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)$267.25
Initial HOA (3 months)$459.00
Prepaid interest, first (24 days)$2,060.86
Fees + prepaids$15,261.11
Your down payment is the seller’s equity. You take over the $441,441 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $173,720.58 is due at closing. Uses and sources reconcile at $615,161.11 each. Not a Closing Disclosure.