Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$181,717Cash toward the purchase price.
Closing costs + prepaids$13,013Not just lender fees.
Before credits & paid funds$194,730The complete starting cash picture.
Estimated remaining funds due at closing
$194,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,716.63
Your down payment$181,716.63
Closing costs + prepaids$13,013.48
Total buyer cash needed$194,730.11
Remaining funds due$194,730.11
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)$337.75
Initial HOA (3 months)$51.75
Prepaid interest, first (2 days)$148.98
Fees + prepaids$13,013.48
Your down payment is the seller’s equity. You take over the $418,283 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $194,730.11 is due at closing. Uses and sources reconcile at $613,013.48 each. Not a Closing Disclosure.