Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$62,824Cash toward the purchase price.
Closing costs + prepaids$15,663Not just lender fees.
Before credits & paid funds$78,487The complete starting cash picture.
Estimated remaining funds due at closing
$78,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,824.02
Your down payment$62,824.02
Closing costs + prepaids$15,663.20
Total buyer cash needed$78,487.22
Remaining funds due$78,487.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,000.00
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)$870.25
Prepaid interest, first (25 days)$2,317.95
Fees + prepaids$15,663.20
Your down payment is the seller’s equity. You take over the $537,176 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $78,487.22 is due at closing. Uses and sources reconcile at $615,663.20 each. Not a Closing Disclosure.