Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$210,249Cash toward the purchase price.
Closing costs + prepaids$13,924Not just lender fees.
Before credits & paid funds$224,173The complete starting cash picture.
Estimated remaining funds due at closing
$224,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,249.47
Your down payment$210,249.47
Closing costs + prepaids$13,923.55
Total buyer cash needed$224,173.02
Remaining funds due$224,173.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$718.75
Initial HOA (3 months)$180.00
Prepaid interest, first (12 days)$559.80
Fees + prepaids$13,923.55
Your down payment is the seller’s equity. You take over the $388,751 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $224,173.02 is due at closing. Uses and sources reconcile at $612,923.55 each. Not a Closing Disclosure.