Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$167,824Cash toward the purchase price.
Closing costs + prepaids$16,213Not just lender fees.
Before credits & paid funds$184,037The complete starting cash picture.
Estimated remaining funds due at closing
$184,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,824.32
Your down payment$167,824.32
Closing costs + prepaids$16,213.05
Total buyer cash needed$184,037.37
Remaining funds due$184,037.37
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)$1,213.00
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$2,385.05
Fees + prepaids$16,213.05
Your down payment is the seller’s equity. You take over the $431,176 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $184,037.37 is due at closing. Uses and sources reconcile at $615,213.05 each. Not a Closing Disclosure.