Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$77,051Cash toward the purchase price.
Closing costs + prepaids$17,327Not just lender fees.
Before credits & paid funds$94,378The complete starting cash picture.
Estimated remaining funds due at closing
$94,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,051.12
Your down payment$77,051.12
Closing costs + prepaids$17,326.61
Total buyer cash needed$94,377.73
Remaining funds due$94,377.73
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)$1,353.00
Prepaid interest, first (23 days)$2,123.61
Fees + prepaids$17,326.61
Your down payment is the seller’s equity. You take over the $512,949 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $94,377.73 is due at closing. Uses and sources reconcile at $607,326.61 each. Not a Closing Disclosure.