Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$221,692Cash toward the purchase price.
Closing costs + prepaids$14,890Not just lender fees.
Before credits & paid funds$236,583The complete starting cash picture.
Estimated remaining funds due at closing
$236,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,692.47
Your down payment$221,692.47
Closing costs + prepaids$14,890.43
Total buyer cash needed$236,582.90
Remaining funds due$236,582.90
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)$1,055.50
Initial HOA (3 months)$540.00
Prepaid interest, first (27 days)$819.94
Fees + prepaids$14,890.43
Your down payment is the seller’s equity. You take over the $378,307 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $236,582.90 is due at closing. Uses and sources reconcile at $614,889.43 each. Not a Closing Disclosure.