Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$187,934Cash toward the purchase price.
Closing costs + prepaids$15,312Not just lender fees.
Before credits & paid funds$203,246The complete starting cash picture.
Estimated remaining funds due at closing
$203,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,933.82
Your down payment$187,933.82
Closing costs + prepaids$15,312.07
Total buyer cash needed$203,245.89
Remaining funds due$203,245.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$412.25
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$2,274.83
Fees + prepaids$15,312.07
Your down payment is the seller’s equity. You take over the $412,065 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $203,245.89 is due at closing. Uses and sources reconcile at $615,311.07 each. Not a Closing Disclosure.