Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$103,587Cash toward the purchase price.
Closing costs + prepaids$15,593Not just lender fees.
Before credits & paid funds$119,180The complete starting cash picture.
Estimated remaining funds due at closing
$119,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,586.94
Your down payment$103,586.94
Closing costs + prepaids$15,592.84
Total buyer cash needed$119,179.78
Remaining funds due$119,179.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$612.75
Initial HOA (3 months)$104.76
Prepaid interest, first (28 days)$2,450.33
Fees + prepaids$15,592.84
Your down payment is the seller’s equity. You take over the $491,413 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $119,179.78 is due at closing. Uses and sources reconcile at $610,592.84 each. Not a Closing Disclosure.