Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$72,533Cash toward the purchase price.
Closing costs + prepaids$13,969Not just lender fees.
Before credits & paid funds$86,502The complete starting cash picture.
Estimated remaining funds due at closing
$86,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,533.17
Your down payment$72,533.17
Closing costs + prepaids$13,968.85
Total buyer cash needed$86,502.02
Remaining funds due$86,502.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,890.00
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)$706.75
Prepaid interest, first (10 days)$897.10
Fees + prepaids$13,968.85
Your down payment is the seller’s equity. You take over the $516,467 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $86,502.02 is due at closing. Uses and sources reconcile at $602,968.85 each. Not a Closing Disclosure.