Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$72,775Cash toward the purchase price.
Closing costs + prepaids$14,914Not just lender fees.
Before credits & paid funds$87,690The complete starting cash picture.
Estimated remaining funds due at closing
$87,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,775.40
Your down payment$72,775.40
Closing costs + prepaids$14,914.42
Total buyer cash needed$87,689.81
Remaining funds due$87,689.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$886.75
Initial HOA (3 months)$246.00
Prepaid interest, first (26 days)$1,506.67
Fees + prepaids$14,914.42
Your down payment is the seller’s equity. You take over the $507,225 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $87,689.81 is due at closing. Uses and sources reconcile at $594,914.42 each. Not a Closing Disclosure.