Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$115,795Cash toward the purchase price.
Closing costs + prepaids$16,015Not just lender fees.
Before credits & paid funds$131,809The complete starting cash picture.
Estimated remaining funds due at closing
$131,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,794.50
Your down payment$115,794.50
Closing costs + prepaids$16,014.95
Total buyer cash needed$131,809.45
Remaining funds due$131,809.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$1,499.75
Prepaid interest, first (30 days)$2,041.20
Fees + prepaids$16,014.95
Your down payment is the seller’s equity. You take over the $484,105 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $131,809.45 is due at closing. Uses and sources reconcile at $615,914.95 each. Not a Closing Disclosure.