Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$222,276Cash toward the purchase price.
Closing costs + prepaids$14,367Not just lender fees.
Before credits & paid funds$236,642The complete starting cash picture.
Estimated remaining funds due at closing
$236,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,275.77
Your down payment$222,275.77
Closing costs + prepaids$14,366.50
Total buyer cash needed$236,642.28
Remaining funds due$236,642.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$829.75
Prepaid interest, first (22 days)$1,071.75
Fees + prepaids$14,366.50
Your down payment is the seller’s equity. You take over the $376,724 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $236,642.28 is due at closing. Uses and sources reconcile at $613,366.50 each. Not a Closing Disclosure.