Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$113,299Cash toward the purchase price.
Closing costs + prepaids$14,714Not just lender fees.
Before credits & paid funds$128,013The complete starting cash picture.
Estimated remaining funds due at closing
$128,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,299.01
Your down payment$113,299.01
Closing costs + prepaids$14,713.57
Total buyer cash needed$128,012.58
Remaining funds due$128,012.58
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)$748.75
Prepaid interest, first (17 days)$1,499.82
Fees + prepaids$14,713.57
Your down payment is the seller’s equity. You take over the $485,701 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $128,012.58 is due at closing. Uses and sources reconcile at $613,713.57 each. Not a Closing Disclosure.