Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$77,168Cash toward the purchase price.
Closing costs + prepaids$14,120Not just lender fees.
Before credits & paid funds$91,288The complete starting cash picture.
Estimated remaining funds due at closing
$91,288No 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$14,119.79
Total buyer cash needed$91,287.92
Remaining funds due$91,287.92
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)$707.75
Initial HOA (3 months)$87.99
Prepaid interest, first (10 days)$952.05
Fees + prepaids$14,119.79
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. $91,287.92 is due at closing. Uses and sources reconcile at $603,819.79 each. Not a Closing Disclosure.