Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$140,119Cash toward the purchase price.
Closing costs + prepaids$16,493Not just lender fees.
Before credits & paid funds$156,613The complete starting cash picture.
Estimated remaining funds due at closing
$156,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,119.40
Your down payment$140,119.40
Closing costs + prepaids$16,493.41
Total buyer cash needed$156,612.81
Remaining funds due$156,612.81
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)$2,557.16
Fees + prepaids$16,493.41
Your down payment is the seller’s equity. You take over the $458,881 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $156,612.81 is due at closing. Uses and sources reconcile at $615,493.41 each. Not a Closing Disclosure.