Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$113,446Cash toward the purchase price.
Closing costs + prepaids$16,157Not just lender fees.
Before credits & paid funds$129,603The complete starting cash picture.
Estimated remaining funds due at closing
$129,603No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,445.55
Your down payment$113,445.55
Closing costs + prepaids$16,157.47
Total buyer cash needed$129,603.02
Remaining funds due$129,603.02
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)$1,497.50
Prepaid interest, first (25 days)$2,194.97
Fees + prepaids$16,157.47
Your down payment is the seller’s equity. You take over the $485,554 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $129,603.02 is due at closing. Uses and sources reconcile at $615,157.47 each. Not a Closing Disclosure.