Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$171,086Cash toward the purchase price.
Closing costs + prepaids$13,713Not just lender fees.
Before credits & paid funds$184,799The complete starting cash picture.
Estimated remaining funds due at closing
$184,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,085.66
Your down payment$171,085.66
Closing costs + prepaids$13,713.29
Total buyer cash needed$184,798.95
Remaining funds due$184,798.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,890.00
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)$706.75
Initial HOA (3 months)$195.00
Prepaid interest, first (6 days)$446.54
Fees + prepaids$13,713.29
Your down payment is the seller’s equity. You take over the $417,914 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $184,798.95 is due at closing. Uses and sources reconcile at $602,713.29 each. Not a Closing Disclosure.