Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$190,143Cash toward the purchase price.
Closing costs + prepaids$17,079Not just lender fees.
Before credits & paid funds$207,222The complete starting cash picture.
Estimated remaining funds due at closing
$207,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,142.94
Your down payment$190,142.94
Closing costs + prepaids$17,079.07
Total buyer cash needed$207,222.01
Remaining funds due$207,222.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.00
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)$1,474.75
Initial HOA (3 months)$2,295.00
Prepaid interest, first (28 days)$935.32
Fees + prepaids$17,079.07
Your down payment is the seller’s equity. You take over the $399,757 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $207,222.01 is due at closing. Uses and sources reconcile at $606,979.07 each. Not a Closing Disclosure.