Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$172,158Cash toward the purchase price.
Closing costs + prepaids$15,566Not just lender fees.
Before credits & paid funds$187,724The complete starting cash picture.
Estimated remaining funds due at closing
$187,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,157.77
Your down payment$172,157.77
Closing costs + prepaids$15,566.50
Total buyer cash needed$187,724.27
Remaining funds due$187,724.27
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)$643.25
Initial HOA (3 months)$900.00
Prepaid interest, first (20 days)$1,549.25
Fees + prepaids$15,566.50
Your down payment is the seller’s equity. You take over the $427,742 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $187,724.27 is due at closing. Uses and sources reconcile at $615,466.50 each. Not a Closing Disclosure.