Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$118,976Cash toward the purchase price.
Closing costs + prepaids$16,823Not just lender fees.
Before credits & paid funds$135,799The complete starting cash picture.
Estimated remaining funds due at closing
$135,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,976.18
Your down payment$118,976.18
Closing costs + prepaids$16,822.72
Total buyer cash needed$135,798.90
Remaining funds due$135,798.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,998.88
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)$1,492.25
Initial HOA (3 months)$315.00
Prepaid interest, first (30 days)$2,541.59
Fees + prepaids$16,822.72
Your down payment is the seller’s equity. You take over the $480,912 balance, so the rest of the $599,888 price is paid at closing. A second mortgage can cover part of it. $135,798.90 is due at closing. Uses and sources reconcile at $616,710.72 each. Not a Closing Disclosure.