Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$79,395Cash toward the purchase price.
Closing costs + prepaids$14,116Not just lender fees.
Before credits & paid funds$93,512The complete starting cash picture.
Estimated remaining funds due at closing
$93,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,395.36
Your down payment$79,395.36
Closing costs + prepaids$14,116.34
Total buyer cash needed$93,511.70
Remaining funds due$93,511.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$714.00
Initial HOA (3 months)$198.00
Prepaid interest, first (9 days)$779.34
Fees + prepaids$14,116.34
Your down payment is the seller’s equity. You take over the $515,605 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $93,511.70 is due at closing. Uses and sources reconcile at $609,116.34 each. Not a Closing Disclosure.