Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$78,781Cash toward the purchase price.
Closing costs + prepaids$16,017Not just lender fees.
Before credits & paid funds$94,797The complete starting cash picture.
Estimated remaining funds due at closing
$94,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,780.60
Your down payment$78,780.60
Closing costs + prepaids$16,016.55
Total buyer cash needed$94,797.15
Remaining funds due$94,797.15
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)$414.75
Initial HOA (3 months)$225.00
Prepaid interest, first (30 days)$2,911.80
Fees + prepaids$16,016.55
Your down payment is the seller’s equity. You take over the $520,219 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $94,797.15 is due at closing. Uses and sources reconcile at $615,016.55 each. Not a Closing Disclosure.