Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$63,716Cash toward the purchase price.
Closing costs + prepaids$14,771Not just lender fees.
Before credits & paid funds$78,487The complete starting cash picture.
Estimated remaining funds due at closing
$78,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,715.57
Your down payment$63,715.57
Closing costs + prepaids$14,771.27
Total buyer cash needed$78,486.83
Remaining funds due$78,486.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.90
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)$720.00
Initial HOA (3 months)$660.00
Prepaid interest, first (9 days)$916.37
Fees + prepaids$14,771.27
Your down payment is the seller’s equity. You take over the $536,274 balance, so the rest of the $599,990 price is paid at closing. A second mortgage can cover part of it. $78,486.83 is due at closing. Uses and sources reconcile at $614,761.27 each. Not a Closing Disclosure.