Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$104,691Cash toward the purchase price.
Closing costs + prepaids$15,397Not just lender fees.
Before credits & paid funds$120,088The complete starting cash picture.
Estimated remaining funds due at closing
$120,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,691.02
Your down payment$104,691.02
Closing costs + prepaids$15,396.90
Total buyer cash needed$120,087.92
Remaining funds due$120,087.92
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)$699.50
Initial HOA (3 months)$347.01
Prepaid interest, first (20 days)$1,875.39
Fees + prepaids$15,396.90
Your down payment is the seller’s equity. You take over the $495,309 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $120,087.92 is due at closing. Uses and sources reconcile at $615,396.90 each. Not a Closing Disclosure.