Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$76,961Cash toward the purchase price.
Closing costs + prepaids$14,312Not just lender fees.
Before credits & paid funds$91,274The complete starting cash picture.
Estimated remaining funds due at closing
$91,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,961.22
Your down payment$76,961.22
Closing costs + prepaids$14,312.46
Total buyer cash needed$91,273.68
Remaining funds due$91,273.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$720.00
Initial HOA (3 months)$221.01
Prepaid interest, first (12 days)$897.45
Fees + prepaids$14,312.46
Your down payment is the seller’s equity. You take over the $522,939 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $91,273.68 is due at closing. Uses and sources reconcile at $614,212.46 each. Not a Closing Disclosure.