Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$83,753Cash toward the purchase price.
Closing costs + prepaids$14,264Not just lender fees.
Before credits & paid funds$98,017The complete starting cash picture.
Estimated remaining funds due at closing
$98,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,752.95
Your down payment$83,752.95
Closing costs + prepaids$14,263.97
Total buyer cash needed$98,016.92
Remaining funds due$98,016.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$750.00
Initial HOA (3 months)$60.00
Prepaid interest, first (18 days)$979.97
Fees + prepaids$14,263.97
Your down payment is the seller’s equity. You take over the $516,147 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $98,016.92 is due at closing. Uses and sources reconcile at $614,163.97 each. Not a Closing Disclosure.