Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$80,814Cash toward the purchase price.
Closing costs + prepaids$16,647Not just lender fees.
Before credits & paid funds$97,461The complete starting cash picture.
Estimated remaining funds due at closing
$97,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,813.77
Your down payment$80,813.77
Closing costs + prepaids$16,647.21
Total buyer cash needed$97,460.98
Remaining funds due$97,460.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$1,240.25
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$2,801.96
Fees + prepaids$16,647.21
Your down payment is the seller’s equity. You take over the $514,186 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $97,460.98 is due at closing. Uses and sources reconcile at $611,647.21 each. Not a Closing Disclosure.