Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$131,191Cash toward the purchase price.
Closing costs + prepaids$15,697Not just lender fees.
Before credits & paid funds$146,888The complete starting cash picture.
Estimated remaining funds due at closing
$146,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,190.78
Your down payment$131,190.78
Closing costs + prepaids$15,697.17
Total buyer cash needed$146,887.95
Remaining funds due$146,887.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.95
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)$594.00
Initial HOA (3 months)$501.00
Prepaid interest, first (26 days)$2,127.22
Fees + prepaids$15,697.17
Your down payment is the seller’s equity. You take over the $468,804 balance, so the rest of the $599,995 price is paid at closing. A second mortgage can cover part of it. $146,887.95 is due at closing. Uses and sources reconcile at $615,692.17 each. Not a Closing Disclosure.