Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$89,422Cash toward the purchase price.
Closing costs + prepaids$14,519Not just lender fees.
Before credits & paid funds$103,941The complete starting cash picture.
Estimated remaining funds due at closing
$103,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,421.61
Your down payment$89,421.61
Closing costs + prepaids$14,519.32
Total buyer cash needed$103,940.92
Remaining funds due$103,940.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$156.00
Prepaid interest, first (12 days)$1,168.32
Fees + prepaids$14,519.32
Your down payment is the seller’s equity. You take over the $510,578 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $103,940.92 is due at closing. Uses and sources reconcile at $614,519.32 each. Not a Closing Disclosure.