Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$76,651Cash toward the purchase price.
Closing costs + prepaids$12,977Not just lender fees.
Before credits & paid funds$89,628The complete starting cash picture.
Estimated remaining funds due at closing
$89,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,650.72
Your down payment$76,650.72
Closing costs + prepaids$12,977.29
Total buyer cash needed$89,628.01
Remaining funds due$89,628.01
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)$422.00
Initial HOA (3 months)$87.99
Prepaid interest, first (1 days)$95.30
Fees + prepaids$12,977.29
Your down payment is the seller’s equity. You take over the $513,049 balance, so the rest of the $589,700 price is paid at closing. A second mortgage can cover part of it. $89,628.01 is due at closing. Uses and sources reconcile at $602,677.29 each. Not a Closing Disclosure.