Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$61,965Cash toward the purchase price.
Closing costs + prepaids$17,350Not just lender fees.
Before credits & paid funds$79,315The complete starting cash picture.
Estimated remaining funds due at closing
$79,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,965.17
Your down payment$61,965.17
Closing costs + prepaids$17,349.75
Total buyer cash needed$79,314.92
Remaining funds due$79,314.92
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)$1,500.00
Initial HOA (3 months)$564.00
Prepaid interest, first (28 days)$2,810.75
Fees + prepaids$17,349.75
Your down payment is the seller’s equity. You take over the $538,035 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $79,314.92 is due at closing. Uses and sources reconcile at $617,349.75 each. Not a Closing Disclosure.