Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$110,238Cash toward the purchase price.
Closing costs + prepaids$13,807Not just lender fees.
Before credits & paid funds$124,045The complete starting cash picture.
Estimated remaining funds due at closing
$124,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,237.98
Your down payment$110,237.98
Closing costs + prepaids$13,806.52
Total buyer cash needed$124,044.50
Remaining funds due$124,044.50
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)$159.99
Prepaid interest, first (12 days)$462.78
Fees + prepaids$13,806.52
Your down payment is the seller’s equity. You take over the $488,762 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $124,044.50 is due at closing. Uses and sources reconcile at $612,806.52 each. Not a Closing Disclosure.