Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$92,184Cash toward the purchase price.
Closing costs + prepaids$15,535Not just lender fees.
Before credits & paid funds$107,719The complete starting cash picture.
Estimated remaining funds due at closing
$107,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,183.69
Your down payment$92,183.69
Closing costs + prepaids$15,535.07
Total buyer cash needed$107,718.76
Remaining funds due$107,718.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,945.00
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)$775.25
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$2,189.82
Fees + prepaids$15,535.07
Your down payment is the seller’s equity. You take over the $502,316 balance, so the rest of the $594,500 price is paid at closing. A second mortgage can cover part of it. $107,718.76 is due at closing. Uses and sources reconcile at $610,035.07 each. Not a Closing Disclosure.