Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$76,661Cash toward the purchase price.
Closing costs + prepaids$15,324Not just lender fees.
Before credits & paid funds$91,985The complete starting cash picture.
Estimated remaining funds due at closing
$91,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,661.00
Your down payment$76,661.00
Closing costs + prepaids$15,324.22
Total buyer cash needed$91,985.22
Remaining funds due$91,985.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,850.00
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)$1,462.50
Prepaid interest, first (18 days)$1,536.72
Fees + prepaids$15,324.22
Your down payment is the seller’s equity. You take over the $508,339 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $91,985.22 is due at closing. Uses and sources reconcile at $600,324.22 each. Not a Closing Disclosure.