Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$89,041Cash toward the purchase price.
Closing costs + prepaids$16,523Not just lender fees.
Before credits & paid funds$105,563The complete starting cash picture.
Estimated remaining funds due at closing
$105,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,040.73
Your down payment$89,040.73
Closing costs + prepaids$16,522.61
Total buyer cash needed$105,563.33
Remaining funds due$105,563.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$1,487.50
Initial HOA (3 months)$525.00
Prepaid interest, first (23 days)$2,085.11
Fees + prepaids$16,522.61
Your down payment is the seller’s equity. You take over the $505,959 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $105,563.33 is due at closing. Uses and sources reconcile at $611,522.61 each. Not a Closing Disclosure.