Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$73,700Cash toward the purchase price.
Closing costs + prepaids$16,733Not just lender fees.
Before credits & paid funds$90,433The complete starting cash picture.
Estimated remaining funds due at closing
$90,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,699.97
Your down payment$73,699.97
Closing costs + prepaids$16,732.81
Total buyer cash needed$90,432.78
Remaining funds due$90,432.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
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)$1,475.00
Initial HOA (3 months)$534.00
Prepaid interest, first (27 days)$2,348.81
Fees + prepaids$16,732.81
Your down payment is the seller’s equity. You take over the $516,300 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $90,432.78 is due at closing. Uses and sources reconcile at $606,732.81 each. Not a Closing Disclosure.