Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$171,729Cash toward the purchase price.
Closing costs + prepaids$16,499Not just lender fees.
Before credits & paid funds$188,228The complete starting cash picture.
Estimated remaining funds due at closing
$188,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,728.93
Your down payment$171,728.93
Closing costs + prepaids$16,498.94
Total buyer cash needed$188,227.87
Remaining funds due$188,227.87
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)$643.25
Initial HOA (3 months)$900.00
Prepaid interest, first (31 days)$2,480.69
Fees + prepaids$16,498.94
Your down payment is the seller’s equity. You take over the $428,271 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $188,227.87 is due at closing. Uses and sources reconcile at $616,498.94 each. Not a Closing Disclosure.