Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,051Cash toward the purchase price.
Closing costs + prepaids$18,065Not just lender fees.
Before credits & paid funds$95,116The complete starting cash picture.
Estimated remaining funds due at closing
$95,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,051.12
Your down payment$77,051.12
Closing costs + prepaids$18,065.25
Total buyer cash needed$95,116.37
Remaining funds due$95,116.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
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)$1,475.00
Initial HOA (3 months)$1,353.00
Prepaid interest, first (31 days)$2,862.25
Fees + prepaids$18,065.25
Your down payment is the seller’s equity. You take over the $512,949 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $95,116.37 is due at closing. Uses and sources reconcile at $608,065.25 each. Not a Closing Disclosure.