Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$76,661Cash toward the purchase price.
Closing costs + prepaids$16,263Not just lender fees.
Before credits & paid funds$92,924The complete starting cash picture.
Estimated remaining funds due at closing
$92,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,661.00
Your down payment$76,661.00
Closing costs + prepaids$16,263.32
Total buyer cash needed$92,924.32
Remaining funds due$92,924.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$1,462.50
Prepaid interest, first (29 days)$2,475.82
Fees + prepaids$16,263.32
Your down payment is the seller’s equity. You take over the $508,339 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $92,924.32 is due at closing. Uses and sources reconcile at $601,263.32 each. Not a Closing Disclosure.