Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$82,464Cash toward the purchase price.
Closing costs + prepaids$16,351Not just lender fees.
Before credits & paid funds$98,815The complete starting cash picture.
Estimated remaining funds due at closing
$98,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,464.20
Your down payment$82,464.20
Closing costs + prepaids$16,350.64
Total buyer cash needed$98,814.84
Remaining funds due$98,814.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,980.00
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)$719.50
Initial HOA (3 months)$189.99
Prepaid interest, first (31 days)$2,986.15
Fees + prepaids$16,350.64
Your down payment is the seller’s equity. You take over the $515,536 balance, so the rest of the $598,000 price is paid at closing. A second mortgage can cover part of it. $98,814.84 is due at closing. Uses and sources reconcile at $614,350.64 each. Not a Closing Disclosure.