Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$70,660Cash toward the purchase price.
Closing costs + prepaids$14,690Not just lender fees.
Before credits & paid funds$85,350The complete starting cash picture.
Estimated remaining funds due at closing
$85,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,660.17
Your down payment$70,660.17
Closing costs + prepaids$14,690.03
Total buyer cash needed$85,350.20
Remaining funds due$85,350.20
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)$177.00
Prepaid interest, first (14 days)$1,289.03
Fees + prepaids$14,690.03
Your down payment is the seller’s equity. You take over the $529,240 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $85,350.20 is due at closing. Uses and sources reconcile at $614,590.03 each. Not a Closing Disclosure.