Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$142,794Cash toward the purchase price.
Closing costs + prepaids$15,005Not just lender fees.
Before credits & paid funds$157,799The complete starting cash picture.
Estimated remaining funds due at closing
$157,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,793.83
Your down payment$142,793.83
Closing costs + prepaids$15,004.82
Total buyer cash needed$157,798.65
Remaining funds due$157,798.65
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)$720.00
Initial HOA (3 months)$438.00
Prepaid interest, first (18 days)$1,372.82
Fees + prepaids$15,004.82
Your down payment is the seller’s equity. You take over the $457,106 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $157,798.65 is due at closing. Uses and sources reconcile at $614,904.82 each. Not a Closing Disclosure.