Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$435,757Cash toward the purchase price.
Closing costs + prepaids$15,247Not just lender fees.
Before credits & paid funds$451,004The complete starting cash picture.
Estimated remaining funds due at closing
$451,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,757.44
Your down payment$435,757.44
Closing costs + prepaids$15,246.59
Total buyer cash needed$451,004.03
Remaining funds due$451,004.03
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)$1,752.25
Initial HOA (3 months)$350.01
Prepaid interest, first (25 days)$669.34
Fees + prepaids$15,246.59
Your down payment is the seller’s equity. You take over the $164,242 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $451,004.03 is due at closing. Uses and sources reconcile at $615,245.59 each. Not a Closing Disclosure.