Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$77,576Cash toward the purchase price.
Closing costs + prepaids$16,308Not just lender fees.
Before credits & paid funds$93,885The complete starting cash picture.
Estimated remaining funds due at closing
$93,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,576.36
Your down payment$77,576.36
Closing costs + prepaids$16,308.24
Total buyer cash needed$93,884.61
Remaining funds due$93,884.61
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
Prepaid interest, first (26 days)$2,395.74
Fees + prepaids$16,308.24
Your down payment is the seller’s equity. You take over the $517,424 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $93,884.61 is due at closing. Uses and sources reconcile at $611,308.24 each. Not a Closing Disclosure.