Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$93,871Cash toward the purchase price.
Closing costs + prepaids$16,377Not just lender fees.
Before credits & paid funds$110,248The complete starting cash picture.
Estimated remaining funds due at closing
$110,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,871.41
Your down payment$93,871.41
Closing costs + prepaids$16,376.60
Total buyer cash needed$110,248.01
Remaining funds due$110,248.01
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)$1,559.75
Initial HOA (3 months)$440.01
Prepaid interest, first (23 days)$2,051.84
Fees + prepaids$16,376.60
Your down payment is the seller’s equity. You take over the $491,129 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $110,248.01 is due at closing. Uses and sources reconcile at $601,376.60 each. Not a Closing Disclosure.