Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$78,572Cash toward the purchase price.
Closing costs + prepaids$14,080Not just lender fees.
Before credits & paid funds$92,652The complete starting cash picture.
Estimated remaining funds due at closing
$92,652No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,572.28
Your down payment$78,572.28
Closing costs + prepaids$14,079.56
Total buyer cash needed$92,651.84
Remaining funds due$92,651.84
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)$720.00
Prepaid interest, first (9 days)$884.57
Fees + prepaids$14,079.56
Your down payment is the seller’s equity. You take over the $521,427 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $92,651.84 is due at closing. Uses and sources reconcile at $614,078.56 each. Not a Closing Disclosure.