Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$115,341Cash toward the purchase price.
Closing costs + prepaids$14,673Not just lender fees.
Before credits & paid funds$130,015The complete starting cash picture.
Estimated remaining funds due at closing
$130,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,341.26
Your down payment$115,341.26
Closing costs + prepaids$14,673.36
Total buyer cash needed$130,014.62
Remaining funds due$130,014.62
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)$1,752.00
Initial HOA (3 months)$375.00
Prepaid interest, first (2 days)$81.36
Fees + prepaids$14,673.36
Your down payment is the seller’s equity. You take over the $483,659 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $130,014.62 is due at closing. Uses and sources reconcile at $613,673.36 each. Not a Closing Disclosure.