Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$83,019Cash toward the purchase price.
Closing costs + prepaids$15,944Not just lender fees.
Before credits & paid funds$98,963The complete starting cash picture.
Estimated remaining funds due at closing
$98,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,019.28
Your down payment$83,019.28
Closing costs + prepaids$15,944.20
Total buyer cash needed$98,963.49
Remaining funds due$98,963.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.90
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)$1,500.00
Prepaid interest, first (22 days)$1,969.30
Fees + prepaids$15,944.20
Your down payment is the seller’s equity. You take over the $516,971 balance, so the rest of the $599,990 price is paid at closing. A second mortgage can cover part of it. $98,963.49 is due at closing. Uses and sources reconcile at $615,934.20 each. Not a Closing Disclosure.