Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,168Cash toward the purchase price.
Closing costs + prepaids$15,833Not just lender fees.
Before credits & paid funds$93,001The complete starting cash picture.
Estimated remaining funds due at closing
$93,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,168.14
Your down payment$77,168.14
Closing costs + prepaids$15,833.33
Total buyer cash needed$93,001.47
Remaining funds due$93,001.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,897.00
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)$422.00
Initial HOA (3 months)$87.99
Prepaid interest, first (31 days)$2,951.34
Fees + prepaids$15,833.33
Your down payment is the seller’s equity. You take over the $512,532 balance, so the rest of the $589,700 price is paid at closing. A second mortgage can cover part of it. $93,001.47 is due at closing. Uses and sources reconcile at $605,533.33 each. Not a Closing Disclosure.