Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$106,872Cash toward the purchase price.
Closing costs + prepaids$16,101Not just lender fees.
Before credits & paid funds$122,973The complete starting cash picture.
Estimated remaining funds due at closing
$122,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,871.93
Your down payment$106,871.93
Closing costs + prepaids$16,100.99
Total buyer cash needed$122,972.92
Remaining funds due$122,972.92
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)$1,989.00
Initial HOA (3 months)$92.76
Prepaid interest, first (18 days)$1,544.23
Fees + prepaids$16,100.99
Your down payment is the seller’s equity. You take over the $493,128 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $122,972.92 is due at closing. Uses and sources reconcile at $616,100.99 each. Not a Closing Disclosure.