Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$108,621Cash toward the purchase price.
Closing costs + prepaids$13,205Not just lender fees.
Before credits & paid funds$121,826The complete starting cash picture.
Estimated remaining funds due at closing
$121,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,621.42
Your down payment$108,621.42
Closing costs + prepaids$13,204.68
Total buyer cash needed$121,826.10
Remaining funds due$121,826.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$531.00
Initial HOA (3 months)$165.00
Prepaid interest, first (1 days)$83.68
Fees + prepaids$13,204.68
Your down payment is the seller’s equity. You take over the $486,379 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $121,826.10 is due at closing. Uses and sources reconcile at $608,204.68 each. Not a Closing Disclosure.