Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,519Cash toward the purchase price.
Closing costs + prepaids$17,511Not just lender fees.
Before credits & paid funds$73,030The complete starting cash picture.
Estimated remaining funds due at closing
$73,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,519.08
Your down payment$55,519.08
Closing costs + prepaids$17,511.30
Total buyer cash needed$73,030.38
Remaining funds due$73,030.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$1,499.75
Initial HOA (3 months)$465.00
Prepaid interest, first (27 days)$3,072.55
Fees + prepaids$17,511.30
Your down payment is the seller’s equity. You take over the $544,381 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $73,030.38 is due at closing. Uses and sources reconcile at $617,411.30 each. Not a Closing Disclosure.