Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$185,768Cash toward the purchase price.
Closing costs + prepaids$17,638Not just lender fees.
Before credits & paid funds$203,407The complete starting cash picture.
Estimated remaining funds due at closing
$203,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,768.42
Your down payment$185,768.42
Closing costs + prepaids$17,638.10
Total buyer cash needed$203,406.52
Remaining funds due$203,406.52
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)$1,497.50
Initial HOA (3 months)$2,082.00
Prepaid interest, first (23 days)$1,593.60
Fees + prepaids$17,638.10
Your down payment is the seller’s equity. You take over the $413,232 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $203,406.52 is due at closing. Uses and sources reconcile at $616,638.10 each. Not a Closing Disclosure.