Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$246,793Cash toward the purchase price.
Closing costs + prepaids$15,147Not just lender fees.
Before credits & paid funds$261,940The complete starting cash picture.
Estimated remaining funds due at closing
$261,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,793.25
Your down payment$246,793.25
Closing costs + prepaids$15,147.23
Total buyer cash needed$261,940.49
Remaining funds due$261,940.49
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)$757.75
Prepaid interest, first (30 days)$1,915.48
Fees + prepaids$15,147.23
Your down payment is the seller’s equity. You take over the $353,107 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $261,940.49 is due at closing. Uses and sources reconcile at $615,047.23 each. Not a Closing Disclosure.