Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$229,553Cash toward the purchase price.
Closing costs + prepaids$14,760Not just lender fees.
Before credits & paid funds$244,313The complete starting cash picture.
Estimated remaining funds due at closing
$244,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,552.80
Your down payment$229,552.80
Closing costs + prepaids$14,759.84
Total buyer cash needed$244,312.63
Remaining funds due$244,312.63
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)$1,487.50
Prepaid interest, first (31 days)$847.34
Fees + prepaids$14,759.84
Your down payment is the seller’s equity. You take over the $365,447 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $244,312.63 is due at closing. Uses and sources reconcile at $609,759.84 each. Not a Closing Disclosure.