Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$51,694Cash toward the purchase price.
Closing costs + prepaids$17,048Not just lender fees.
Before credits & paid funds$68,742The complete starting cash picture.
Estimated remaining funds due at closing
$68,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,693.97
Your down payment$51,693.97
Closing costs + prepaids$17,047.83
Total buyer cash needed$68,741.80
Remaining funds due$68,741.80
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)$480.00
Prepaid interest, first (25 days)$2,605.33
Fees + prepaids$17,047.83
Your down payment is the seller’s equity. You take over the $547,306 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $68,741.80 is due at closing. Uses and sources reconcile at $616,047.83 each. Not a Closing Disclosure.