Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$112,783Cash toward the purchase price.
Closing costs + prepaids$16,451Not just lender fees.
Before credits & paid funds$129,234The complete starting cash picture.
Estimated remaining funds due at closing
$129,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,782.51
Your down payment$112,782.51
Closing costs + prepaids$16,451.48
Total buyer cash needed$129,233.99
Remaining funds due$129,233.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$1,225.25
Initial HOA (3 months)$225.00
Prepaid interest, first (30 days)$2,576.23
Fees + prepaids$16,451.48
Your down payment is the seller’s equity. You take over the $482,217 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $129,233.99 is due at closing. Uses and sources reconcile at $611,451.48 each. Not a Closing Disclosure.