Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$142,378Cash toward the purchase price.
Closing costs + prepaids$13,129Not just lender fees.
Before credits & paid funds$155,508The complete starting cash picture.
Estimated remaining funds due at closing
$155,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,378.49
Your down payment$142,378.49
Closing costs + prepaids$13,129.35
Total buyer cash needed$155,507.84
Remaining funds due$155,507.84
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)$140.00
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$76.35
Fees + prepaids$13,129.35
Your down payment is the seller’s equity. You take over the $457,622 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $155,507.84 is due at closing. Uses and sources reconcile at $613,129.35 each. Not a Closing Disclosure.