Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$84,089Cash toward the purchase price.
Closing costs + prepaids$14,163Not just lender fees.
Before credits & paid funds$98,252The complete starting cash picture.
Estimated remaining funds due at closing
$98,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,088.55
Your down payment$84,088.55
Closing costs + prepaids$14,163.30
Total buyer cash needed$98,251.85
Remaining funds due$98,251.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,795.00
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)$695.50
Initial HOA (3 months)$144.00
Prepaid interest, first (12 days)$1,053.80
Fees + prepaids$14,163.30
Your down payment is the seller’s equity. You take over the $495,411 balance, so the rest of the $579,500 price is paid at closing. A second mortgage can cover part of it. $98,251.85 is due at closing. Uses and sources reconcile at $593,663.30 each. Not a Closing Disclosure.