Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$103,765Cash toward the purchase price.
Closing costs + prepaids$16,628Not just lender fees.
Before credits & paid funds$120,392The complete starting cash picture.
Estimated remaining funds due at closing
$120,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,764.71
Your down payment$103,764.71
Closing costs + prepaids$16,627.70
Total buyer cash needed$120,392.41
Remaining funds due$120,392.41
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)$1,436.25
Initial HOA (3 months)$37.50
Prepaid interest, first (31 days)$2,679.95
Fees + prepaids$16,627.70
Your down payment is the seller’s equity. You take over the $496,135 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $120,392.41 is due at closing. Uses and sources reconcile at $616,527.70 each. Not a Closing Disclosure.