Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$55,246Cash toward the purchase price.
Closing costs + prepaids$16,037Not just lender fees.
Before credits & paid funds$71,283The complete starting cash picture.
Estimated remaining funds due at closing
$71,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,246.20
Your down payment$55,246.20
Closing costs + prepaids$16,036.84
Total buyer cash needed$71,283.03
Remaining funds due$71,283.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$1,235.00
Prepaid interest, first (24 days)$2,327.84
Fees + prepaids$16,036.84
Your down payment is the seller’s equity. You take over the $544,654 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $71,283.03 is due at closing. Uses and sources reconcile at $615,936.84 each. Not a Closing Disclosure.