Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$166,152Cash toward the purchase price.
Closing costs + prepaids$14,508Not just lender fees.
Before credits & paid funds$180,660The complete starting cash picture.
Estimated remaining funds due at closing
$180,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,152.19
Your down payment$166,152.19
Closing costs + prepaids$14,507.51
Total buyer cash needed$180,659.70
Remaining funds due$180,659.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$750.00
Initial HOA (3 months)$30.99
Prepaid interest, first (17 days)$1,252.52
Fees + prepaids$14,507.51
Your down payment is the seller’s equity. You take over the $433,748 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $180,659.70 is due at closing. Uses and sources reconcile at $614,407.51 each. Not a Closing Disclosure.