Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$171,279Cash toward the purchase price.
Closing costs + prepaids$14,098Not just lender fees.
Before credits & paid funds$185,377The complete starting cash picture.
Estimated remaining funds due at closing
$185,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,279.08
Your down payment$171,279.08
Closing costs + prepaids$14,098.36
Total buyer cash needed$185,377.44
Remaining funds due$185,377.44
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)$643.25
Initial HOA (3 months)$900.00
Prepaid interest, first (1 days)$80.11
Fees + prepaids$14,098.36
Your down payment is the seller’s equity. You take over the $428,721 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $185,377.44 is due at closing. Uses and sources reconcile at $614,098.36 each. Not a Closing Disclosure.