Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$93,765Cash toward the purchase price.
Closing costs + prepaids$15,187Not just lender fees.
Before credits & paid funds$108,952The complete starting cash picture.
Estimated remaining funds due at closing
$108,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,765.50
Your down payment$93,765.50
Closing costs + prepaids$15,186.81
Total buyer cash needed$108,952.30
Remaining funds due$108,952.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$829.75
Initial HOA (3 months)$28.74
Prepaid interest, first (22 days)$1,903.32
Fees + prepaids$15,186.81
Your down payment is the seller’s equity. You take over the $501,235 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $108,952.30 is due at closing. Uses and sources reconcile at $610,186.81 each. Not a Closing Disclosure.