Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$69,484Cash toward the purchase price.
Closing costs + prepaids$15,680Not just lender fees.
Before credits & paid funds$85,164The complete starting cash picture.
Estimated remaining funds due at closing
$85,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,483.98
Your down payment$69,483.98
Closing costs + prepaids$15,679.76
Total buyer cash needed$85,163.74
Remaining funds due$85,163.74
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)$667.25
Initial HOA (3 months)$288.00
Prepaid interest, first (25 days)$2,259.51
Fees + prepaids$15,679.76
Your down payment is the seller’s equity. You take over the $529,516 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $85,163.74 is due at closing. Uses and sources reconcile at $614,679.76 each. Not a Closing Disclosure.