Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$136,210Cash toward the purchase price.
Closing costs + prepaids$15,230Not just lender fees.
Before credits & paid funds$151,440The complete starting cash picture.
Estimated remaining funds due at closing
$151,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,210.17
Your down payment$136,210.17
Closing costs + prepaids$15,229.68
Total buyer cash needed$151,439.86
Remaining funds due$151,439.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$692.25
Initial HOA (3 months)$42.00
Prepaid interest, first (24 days)$2,021.43
Fees + prepaids$15,229.68
Your down payment is the seller’s equity. You take over the $463,690 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $151,439.86 is due at closing. Uses and sources reconcile at $615,129.68 each. Not a Closing Disclosure.