Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$75,406Cash toward the purchase price.
Closing costs + prepaids$15,206Not just lender fees.
Before credits & paid funds$90,612The complete starting cash picture.
Estimated remaining funds due at closing
$90,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,405.86
Your down payment$75,405.86
Closing costs + prepaids$15,206.03
Total buyer cash needed$90,611.89
Remaining funds due$90,611.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.00
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)$571.50
Initial HOA (3 months)$180.00
Prepaid interest, first (24 days)$2,080.53
Fees + prepaids$15,206.03
Your down payment is the seller’s equity. You take over the $514,494 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $90,611.89 is due at closing. Uses and sources reconcile at $605,106.03 each. Not a Closing Disclosure.