Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$54,674Cash toward the purchase price.
Closing costs + prepaids$15,842Not just lender fees.
Before credits & paid funds$70,516The complete starting cash picture.
Estimated remaining funds due at closing
$70,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,674.49
Your down payment$54,674.49
Closing costs + prepaids$15,841.69
Total buyer cash needed$70,516.18
Remaining funds due$70,516.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$39.75
Initial HOA (3 months)$318.00
Prepaid interest, first (31 days)$3,009.94
Fees + prepaids$15,841.69
Your down payment is the seller’s equity. You take over the $545,226 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $70,516.18 is due at closing. Uses and sources reconcile at $615,741.69 each. Not a Closing Disclosure.