Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$168,760Cash toward the purchase price.
Closing costs + prepaids$17,021Not just lender fees.
Before credits & paid funds$185,781The complete starting cash picture.
Estimated remaining funds due at closing
$185,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,760.05
Your down payment$168,760.05
Closing costs + prepaids$17,020.52
Total buyer cash needed$185,780.57
Remaining funds due$185,780.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
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)$2,456.00
Prepaid interest, first (31 days)$2,189.52
Fees + prepaids$17,020.52
Your down payment is the seller’s equity. You take over the $421,240 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $185,780.57 is due at closing. Uses and sources reconcile at $607,020.52 each. Not a Closing Disclosure.