Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$122,846Cash toward the purchase price.
Closing costs + prepaids$16,525Not just lender fees.
Before credits & paid funds$139,371The complete starting cash picture.
Estimated remaining funds due at closing
$139,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,845.97
Your down payment$122,845.97
Closing costs + prepaids$16,525.42
Total buyer cash needed$139,371.40
Remaining funds due$139,371.40
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
Initial HOA (3 months)$627.00
Prepaid interest, first (28 days)$1,935.92
Fees + prepaids$16,525.42
Your down payment is the seller’s equity. You take over the $476,154 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $139,371.40 is due at closing. Uses and sources reconcile at $615,525.42 each. Not a Closing Disclosure.