Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$153,523Cash toward the purchase price.
Closing costs + prepaids$14,916Not just lender fees.
Before credits & paid funds$168,439The complete starting cash picture.
Estimated remaining funds due at closing
$168,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,522.57
Your down payment$153,522.57
Closing costs + prepaids$14,916.12
Total buyer cash needed$168,438.69
Remaining funds due$168,438.69
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)$805.00
Initial HOA (3 months)$90.00
Prepaid interest, first (25 days)$1,556.12
Fees + prepaids$14,916.12
Your down payment is the seller’s equity. You take over the $445,477 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $168,438.69 is due at closing. Uses and sources reconcile at $613,916.12 each. Not a Closing Disclosure.