Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$82,545Cash toward the purchase price.
Closing costs + prepaids$15,043Not just lender fees.
Before credits & paid funds$97,588The complete starting cash picture.
Estimated remaining funds due at closing
$97,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,545.19
Your down payment$82,545.19
Closing costs + prepaids$15,043.21
Total buyer cash needed$97,588.40
Remaining funds due$97,588.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
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)$737.50
Initial HOA (3 months)$255.00
Prepaid interest, first (17 days)$1,675.71
Fees + prepaids$15,043.21
Your down payment is the seller’s equity. You take over the $507,455 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $97,588.40 is due at closing. Uses and sources reconcile at $605,043.21 each. Not a Closing Disclosure.