Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$92,184Cash toward the purchase price.
Closing costs + prepaids$14,661Not just lender fees.
Before credits & paid funds$106,845The complete starting cash picture.
Estimated remaining funds due at closing
$106,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,183.69
Your down payment$92,183.69
Closing costs + prepaids$14,660.83
Total buyer cash needed$106,844.52
Remaining funds due$106,844.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,945.00
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)$743.25
Initial HOA (3 months)$150.00
Prepaid interest, first (16 days)$1,347.58
Fees + prepaids$14,660.83
Your down payment is the seller’s equity. You take over the $502,316 balance, so the rest of the $594,500 price is paid at closing. A second mortgage can cover part of it. $106,844.52 is due at closing. Uses and sources reconcile at $609,160.83 each. Not a Closing Disclosure.