Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$84,801Cash toward the purchase price.
Closing costs + prepaids$16,150Not just lender fees.
Before credits & paid funds$100,951The complete starting cash picture.
Estimated remaining funds due at closing
$100,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,800.56
Your down payment$84,800.56
Closing costs + prepaids$16,150.31
Total buyer cash needed$100,950.88
Remaining funds due$100,950.88
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)$151.50
Initial HOA (3 months)$960.00
Prepaid interest, first (29 days)$2,573.81
Fees + prepaids$16,150.31
Your down payment is the seller’s equity. You take over the $514,199 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $100,950.88 is due at closing. Uses and sources reconcile at $615,150.31 each. Not a Closing Disclosure.