Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$168,265Cash toward the purchase price.
Closing costs + prepaids$17,149Not just lender fees.
Before credits & paid funds$185,414The complete starting cash picture.
Estimated remaining funds due at closing
$185,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,265.40
Your down payment$168,265.40
Closing costs + prepaids$17,149.09
Total buyer cash needed$185,414.49
Remaining funds due$185,414.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$2,441.75
Initial HOA (3 months)$116.01
Prepaid interest, first (28 days)$2,116.33
Fees + prepaids$17,149.09
Your down payment is the seller’s equity. You take over the $431,735 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $185,414.49 is due at closing. Uses and sources reconcile at $617,149.09 each. Not a Closing Disclosure.