Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$66,905Cash toward the purchase price.
Closing costs + prepaids$16,282Not just lender fees.
Before credits & paid funds$83,187The complete starting cash picture.
Estimated remaining funds due at closing
$83,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,904.60
Your down payment$66,904.60
Closing costs + prepaids$16,282.13
Total buyer cash needed$83,186.74
Remaining funds due$83,186.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$1,449.75
Initial HOA (3 months)$357.00
Prepaid interest, first (23 days)$2,201.38
Fees + prepaids$16,282.13
Your down payment is the seller’s equity. You take over the $512,995 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $83,186.74 is due at closing. Uses and sources reconcile at $596,182.13 each. Not a Closing Disclosure.