Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$72,830Cash toward the purchase price.
Closing costs + prepaids$15,476Not just lender fees.
Before credits & paid funds$88,306The complete starting cash picture.
Estimated remaining funds due at closing
$88,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,829.92
Your down payment$72,829.92
Closing costs + prepaids$15,475.95
Total buyer cash needed$88,305.86
Remaining funds due$88,305.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,989.99
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)$582.25
Initial HOA (3 months)$495.00
Prepaid interest, first (19 days)$1,933.71
Fees + prepaids$15,475.95
Your down payment is the seller’s equity. You take over the $526,169 balance, so the rest of the $598,999 price is paid at closing. A second mortgage can cover part of it. $88,305.86 is due at closing. Uses and sources reconcile at $614,474.95 each. Not a Closing Disclosure.