Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$228,428Cash toward the purchase price.
Closing costs + prepaids$14,644Not just lender fees.
Before credits & paid funds$243,073The complete starting cash picture.
Estimated remaining funds due at closing
$243,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,428.50
Your down payment$228,428.50
Closing costs + prepaids$14,644.15
Total buyer cash needed$243,072.64
Remaining funds due$243,072.64
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)$1,497.50
Prepaid interest, first (18 days)$681.65
Fees + prepaids$14,644.15
Your down payment is the seller’s equity. You take over the $370,572 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $243,072.64 is due at closing. Uses and sources reconcile at $613,644.15 each. Not a Closing Disclosure.