Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$106,819Cash toward the purchase price.
Closing costs + prepaids$16,840Not just lender fees.
Before credits & paid funds$123,659The complete starting cash picture.
Estimated remaining funds due at closing
$123,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,818.64
Your down payment$106,818.64
Closing costs + prepaids$16,840.07
Total buyer cash needed$123,658.71
Remaining funds due$123,658.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.50
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)$1,500.00
Prepaid interest, first (30 days)$2,865.57
Fees + prepaids$16,840.07
Your down payment is the seller’s equity. You take over the $493,131 balance, so the rest of the $599,950 price is paid at closing. A second mortgage can cover part of it. $123,658.71 is due at closing. Uses and sources reconcile at $616,790.07 each. Not a Closing Disclosure.