Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$76,965Cash toward the purchase price.
Closing costs + prepaids$16,735Not just lender fees.
Before credits & paid funds$93,701The complete starting cash picture.
Estimated remaining funds due at closing
$93,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,965.38
Your down payment$76,965.38
Closing costs + prepaids$16,735.49
Total buyer cash needed$93,700.87
Remaining funds due$93,700.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$528.75
Initial HOA (3 months)$369.00
Prepaid interest, first (31 days)$3,362.75
Fees + prepaids$16,735.49
Your down payment is the seller’s equity. You take over the $523,034 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $93,700.87 is due at closing. Uses and sources reconcile at $616,734.49 each. Not a Closing Disclosure.