Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$229,168Cash toward the purchase price.
Closing costs + prepaids$14,857Not just lender fees.
Before credits & paid funds$244,025The complete starting cash picture.
Estimated remaining funds due at closing
$244,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,168.28
Your down payment$229,168.28
Closing costs + prepaids$14,856.94
Total buyer cash needed$244,025.22
Remaining funds due$244,025.22
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)$989.25
Initial HOA (3 months)$1,350.00
Prepaid interest, first (2 days)$52.69
Fees + prepaids$14,856.94
Your down payment is the seller’s equity. You take over the $369,832 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $244,025.22 is due at closing. Uses and sources reconcile at $613,856.94 each. Not a Closing Disclosure.