Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$222,580Cash toward the purchase price.
Closing costs + prepaids$15,344Not just lender fees.
Before credits & paid funds$237,923The complete starting cash picture.
Estimated remaining funds due at closing
$237,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,579.73
Your down payment$222,579.73
Closing costs + prepaids$15,343.65
Total buyer cash needed$237,923.38
Remaining funds due$237,923.38
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)$1,326.75
Initial HOA (3 months)$52.50
Prepaid interest, first (26 days)$1,489.41
Fees + prepaids$15,343.65
Your down payment is the seller’s equity. You take over the $377,419 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $237,923.38 is due at closing. Uses and sources reconcile at $615,342.65 each. Not a Closing Disclosure.