Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$100,096Cash toward the purchase price.
Closing costs + prepaids$15,713Not just lender fees.
Before credits & paid funds$115,809The complete starting cash picture.
Estimated remaining funds due at closing
$115,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,095.97
Your down payment$100,095.97
Closing costs + prepaids$15,712.75
Total buyer cash needed$115,808.72
Remaining funds due$115,808.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.90
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)$380.75
Initial HOA (3 months)$218.76
Prepaid interest, first (28 days)$2,638.34
Fees + prepaids$15,712.75
Your down payment is the seller’s equity. You take over the $499,894 balance, so the rest of the $599,990 price is paid at closing. A second mortgage can cover part of it. $115,808.72 is due at closing. Uses and sources reconcile at $615,702.75 each. Not a Closing Disclosure.