Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$66,509Cash toward the purchase price.
Closing costs + prepaids$15,013Not just lender fees.
Before credits & paid funds$81,522The complete starting cash picture.
Estimated remaining funds due at closing
$81,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,509.09
Your down payment$66,509.09
Closing costs + prepaids$15,013.16
Total buyer cash needed$81,522.25
Remaining funds due$81,522.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,890.00
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)$736.25
Initial HOA (3 months)$57.00
Prepaid interest, first (19 days)$1,854.91
Fees + prepaids$15,013.16
Your down payment is the seller’s equity. You take over the $522,491 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $81,522.25 is due at closing. Uses and sources reconcile at $604,013.16 each. Not a Closing Disclosure.