Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$138,468Cash toward the purchase price.
Closing costs + prepaids$14,345Not just lender fees.
Before credits & paid funds$152,813The complete starting cash picture.
Estimated remaining funds due at closing
$152,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,468.36
Your down payment$138,468.36
Closing costs + prepaids$14,344.58
Total buyer cash needed$152,812.94
Remaining funds due$152,812.94
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)$1,497.50
Initial HOA (3 months)$333.00
Prepaid interest, first (1 days)$49.08
Fees + prepaids$14,344.58
Your down payment is the seller’s equity. You take over the $460,532 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $152,812.94 is due at closing. Uses and sources reconcile at $613,344.58 each. Not a Closing Disclosure.