Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$182,149Cash toward the purchase price.
Closing costs + prepaids$15,171Not just lender fees.
Before credits & paid funds$197,320The complete starting cash picture.
Estimated remaining funds due at closing
$197,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,148.85
Your down payment$182,148.85
Closing costs + prepaids$15,171.27
Total buyer cash needed$197,320.12
Remaining funds due$197,320.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$337.75
Initial HOA (3 months)$51.75
Prepaid interest, first (31 days)$2,306.77
Fees + prepaids$15,171.27
Your down payment is the seller’s equity. You take over the $417,851 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $197,320.12 is due at closing. Uses and sources reconcile at $615,171.27 each. Not a Closing Disclosure.