Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$76,965Cash toward the purchase price.
Closing costs + prepaids$15,651Not just lender fees.
Before credits & paid funds$92,616The complete starting cash picture.
Estimated remaining funds due at closing
$92,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,965.38
Your down payment$76,965.38
Closing costs + prepaids$15,650.73
Total buyer cash needed$92,616.11
Remaining funds due$92,616.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$528.75
Initial HOA (3 months)$369.00
Prepaid interest, first (21 days)$2,277.99
Fees + prepaids$15,650.73
Your down payment is the seller’s equity. You take over the $523,034 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $92,616.11 is due at closing. Uses and sources reconcile at $615,649.73 each. Not a Closing Disclosure.