Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$139,940Cash toward the purchase price.
Closing costs + prepaids$16,506Not just lender fees.
Before credits & paid funds$156,446The complete starting cash picture.
Estimated remaining funds due at closing
$156,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,939.80
Your down payment$139,939.80
Closing costs + prepaids$16,505.73
Total buyer cash needed$156,445.53
Remaining funds due$156,445.53
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)$766.25
Initial HOA (3 months)$705.00
Prepaid interest, first (30 days)$2,569.48
Fees + prepaids$16,505.73
Your down payment is the seller’s equity. You take over the $459,060 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $156,445.53 is due at closing. Uses and sources reconcile at $615,505.73 each. Not a Closing Disclosure.