Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$147,973Cash toward the purchase price.
Closing costs + prepaids$15,943Not just lender fees.
Before credits & paid funds$163,917The complete starting cash picture.
Estimated remaining funds due at closing
$163,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,973.28
Your down payment$147,973.28
Closing costs + prepaids$15,943.44
Total buyer cash needed$163,916.72
Remaining funds due$163,916.72
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)$954.75
Prepaid interest, first (30 days)$2,514.69
Fees + prepaids$15,943.44
Your down payment is the seller’s equity. You take over the $451,927 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $163,916.72 is due at closing. Uses and sources reconcile at $615,843.44 each. Not a Closing Disclosure.