Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$132,686Cash toward the purchase price.
Closing costs + prepaids$15,325Not just lender fees.
Before credits & paid funds$148,010The complete starting cash picture.
Estimated remaining funds due at closing
$148,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,685.82
Your down payment$132,685.82
Closing costs + prepaids$15,324.52
Total buyer cash needed$148,010.34
Remaining funds due$148,010.34
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)$556.25
Initial HOA (3 months)$110.01
Prepaid interest, first (27 days)$2,184.26
Fees + prepaids$15,324.52
Your down payment is the seller’s equity. You take over the $467,214 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $148,010.34 is due at closing. Uses and sources reconcile at $615,224.52 each. Not a Closing Disclosure.