Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$67,315Cash toward the purchase price.
Closing costs + prepaids$17,078Not just lender fees.
Before credits & paid funds$84,393The complete starting cash picture.
Estimated remaining funds due at closing
$84,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,314.62
Your down payment$67,314.62
Closing costs + prepaids$17,078.24
Total buyer cash needed$84,392.86
Remaining funds due$84,392.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,795.00
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)$1,448.75
Initial HOA (3 months)$624.00
Prepaid interest, first (27 days)$2,735.49
Fees + prepaids$17,078.24
Your down payment is the seller’s equity. You take over the $512,185 balance, so the rest of the $579,500 price is paid at closing. A second mortgage can cover part of it. $84,392.86 is due at closing. Uses and sources reconcile at $596,578.24 each. Not a Closing Disclosure.