Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$151,730Cash toward the purchase price.
Closing costs + prepaids$16,243Not just lender fees.
Before credits & paid funds$167,973The complete starting cash picture.
Estimated remaining funds due at closing
$167,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,729.98
Your down payment$151,729.98
Closing costs + prepaids$16,243.10
Total buyer cash needed$167,973.07
Remaining funds due$167,973.07
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)$1,458.75
Prepaid interest, first (28 days)$2,310.35
Fees + prepaids$16,243.10
Your down payment is the seller’s equity. You take over the $448,170 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $167,973.07 is due at closing. Uses and sources reconcile at $616,143.10 each. Not a Closing Disclosure.