Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$86,370Cash toward the purchase price.
Closing costs + prepaids$16,660Not just lender fees.
Before credits & paid funds$103,030The complete starting cash picture.
Estimated remaining funds due at closing
$103,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,370.30
Your down payment$86,370.30
Closing costs + prepaids$16,659.94
Total buyer cash needed$103,030.24
Remaining funds due$103,030.24
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)$1,497.50
Initial HOA (3 months)$1,050.00
Prepaid interest, first (23 days)$1,647.44
Fees + prepaids$16,659.94
Your down payment is the seller’s equity. You take over the $512,630 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $103,030.24 is due at closing. Uses and sources reconcile at $615,659.94 each. Not a Closing Disclosure.