Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$78,922Cash toward the purchase price.
Closing costs + prepaids$14,345Not just lender fees.
Before credits & paid funds$93,267The complete starting cash picture.
Estimated remaining funds due at closing
$93,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,921.72
Your down payment$78,921.72
Closing costs + prepaids$14,345.48
Total buyer cash needed$93,267.19
Remaining funds due$93,267.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,093.00
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)$731.25
Prepaid interest, first (12 days)$1,046.23
Fees + prepaids$14,345.48
Your down payment is the seller’s equity. You take over the $530,378 balance, so the rest of the $609,300 price is paid at closing. A second mortgage can cover part of it. $93,267.19 is due at closing. Uses and sources reconcile at $623,645.48 each. Not a Closing Disclosure.