Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$72,454Cash toward the purchase price.
Closing costs + prepaids$17,112Not just lender fees.
Before credits & paid funds$89,566The complete starting cash picture.
Estimated remaining funds due at closing
$89,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,453.65
Your down payment$72,453.65
Closing costs + prepaids$17,112.31
Total buyer cash needed$89,565.96
Remaining funds due$89,565.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,050.00
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)$675.00
Initial HOA (3 months)$1,167.00
Prepaid interest, first (28 days)$2,745.31
Fees + prepaids$17,112.31
Your down payment is the seller’s equity. You take over the $532,546 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $89,565.96 is due at closing. Uses and sources reconcile at $622,112.31 each. Not a Closing Disclosure.