Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$178,339Cash toward the purchase price.
Closing costs + prepaids$16,271Not just lender fees.
Before credits & paid funds$194,610The complete starting cash picture.
Estimated remaining funds due at closing
$194,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,339.31
Your down payment$178,339.31
Closing costs + prepaids$16,270.67
Total buyer cash needed$194,609.98
Remaining funds due$194,609.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$1,432.00
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$2,263.67
Fees + prepaids$16,270.67
Your down payment is the seller’s equity. You take over the $416,661 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $194,609.98 is due at closing. Uses and sources reconcile at $611,270.67 each. Not a Closing Disclosure.