Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,035Cash toward the purchase price.
Closing costs + prepaids$16,731Not just lender fees.
Before credits & paid funds$75,765The complete starting cash picture.
Estimated remaining funds due at closing
$75,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,034.50
Your down payment$59,034.50
Closing costs + prepaids$16,730.97
Total buyer cash needed$75,765.47
Remaining funds due$75,765.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$1,588.25
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$2,517.72
Fees + prepaids$16,730.97
Your down payment is the seller’s equity. You take over the $525,965 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $75,765.47 is due at closing. Uses and sources reconcile at $601,730.97 each. Not a Closing Disclosure.