Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$227,550Cash toward the purchase price.
Closing costs + prepaids$15,956Not just lender fees.
Before credits & paid funds$243,506The complete starting cash picture.
Estimated remaining funds due at closing
$243,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,549.55
Your down payment$227,549.55
Closing costs + prepaids$15,955.96
Total buyer cash needed$243,505.51
Remaining funds due$243,505.51
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)$1,499.75
Initial HOA (3 months)$1,065.00
Prepaid interest, first (27 days)$917.21
Fees + prepaids$15,955.96
Your down payment is the seller’s equity. You take over the $372,350 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $243,505.51 is due at closing. Uses and sources reconcile at $615,855.96 each. Not a Closing Disclosure.