Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$143,576Cash toward the purchase price.
Closing costs + prepaids$14,058Not just lender fees.
Before credits & paid funds$157,634The complete starting cash picture.
Estimated remaining funds due at closing
$157,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,576.12
Your down payment$143,576.12
Closing costs + prepaids$14,057.81
Total buyer cash needed$157,633.93
Remaining funds due$157,633.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$1,424.75
Prepaid interest, first (2 days)$158.06
Fees + prepaids$14,057.81
Your down payment is the seller’s equity. You take over the $456,424 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $157,633.93 is due at closing. Uses and sources reconcile at $614,057.81 each. Not a Closing Disclosure.