Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$53,228Cash toward the purchase price.
Closing costs + prepaids$16,054Not just lender fees.
Before credits & paid funds$69,282The complete starting cash picture.
Estimated remaining funds due at closing
$69,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,227.76
Your down payment$53,227.76
Closing costs + prepaids$16,054.45
Total buyer cash needed$69,282.21
Remaining funds due$69,282.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$54.25
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$3,175.20
Fees + prepaids$16,054.45
Your down payment is the seller’s equity. You take over the $545,772 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $69,282.21 is due at closing. Uses and sources reconcile at $615,054.45 each. Not a Closing Disclosure.