Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$76,634Cash toward the purchase price.
Closing costs + prepaids$15,500Not just lender fees.
Before credits & paid funds$92,134The complete starting cash picture.
Estimated remaining funds due at closing
$92,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,634.20
Your down payment$76,634.20
Closing costs + prepaids$15,499.69
Total buyer cash needed$92,133.89
Remaining funds due$92,133.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$1,497.50
Prepaid interest, first (23 days)$1,537.19
Fees + prepaids$15,499.69
Your down payment is the seller’s equity. You take over the $522,366 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $92,133.89 is due at closing. Uses and sources reconcile at $614,499.69 each. Not a Closing Disclosure.