Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$172,158Cash toward the purchase price.
Closing costs + prepaids$16,419Not just lender fees.
Before credits & paid funds$188,576The complete starting cash picture.
Estimated remaining funds due at closing
$188,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,157.77
Your down payment$172,157.77
Closing costs + prepaids$16,418.58
Total buyer cash needed$188,576.36
Remaining funds due$188,576.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$2,401.33
Fees + prepaids$16,418.58
Your down payment is the seller’s equity. You take over the $427,742 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $188,576.36 is due at closing. Uses and sources reconcile at $616,318.58 each. Not a Closing Disclosure.