Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$111,447Cash toward the purchase price.
Closing costs + prepaids$14,126Not just lender fees.
Before credits & paid funds$125,573The complete starting cash picture.
Estimated remaining funds due at closing
$125,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,446.55
Your down payment$111,446.55
Closing costs + prepaids$14,126.23
Total buyer cash needed$125,572.78
Remaining funds due$125,572.78
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)$351.00
Prepaid interest, first (12 days)$591.48
Fees + prepaids$14,126.23
Your down payment is the seller’s equity. You take over the $487,553 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $125,572.78 is due at closing. Uses and sources reconcile at $613,126.23 each. Not a Closing Disclosure.