Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$216,071Cash toward the purchase price.
Closing costs + prepaids$13,642Not just lender fees.
Before credits & paid funds$229,713The complete starting cash picture.
Estimated remaining funds due at closing
$229,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,070.68
Your down payment$216,070.68
Closing costs + prepaids$13,642.01
Total buyer cash needed$229,712.69
Remaining funds due$229,712.69
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
Prepaid interest, first (12 days)$458.26
Fees + prepaids$13,642.01
Your down payment is the seller’s equity. You take over the $382,929 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $229,712.69 is due at closing. Uses and sources reconcile at $612,642.01 each. Not a Closing Disclosure.