Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$169,890Cash toward the purchase price.
Closing costs + prepaids$16,776Not just lender fees.
Before credits & paid funds$186,666The complete starting cash picture.
Estimated remaining funds due at closing
$186,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,890.42
Your down payment$169,890.42
Closing costs + prepaids$16,775.68
Total buyer cash needed$186,666.10
Remaining funds due$186,666.10
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)$1,708.25
Initial HOA (3 months)$372.00
Prepaid interest, first (31 days)$2,230.43
Fees + prepaids$16,775.68
Your down payment is the seller’s equity. You take over the $429,110 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $186,666.10 is due at closing. Uses and sources reconcile at $615,775.68 each. Not a Closing Disclosure.