Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$90,405Cash toward the purchase price.
Closing costs + prepaids$15,577Not just lender fees.
Before credits & paid funds$105,982The complete starting cash picture.
Estimated remaining funds due at closing
$105,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,405.18
Your down payment$90,405.18
Closing costs + prepaids$15,576.90
Total buyer cash needed$105,982.08
Remaining funds due$105,982.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,990.00
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)$718.75
Initial HOA (3 months)$780.00
Prepaid interest, first (17 days)$1,613.15
Fees + prepaids$15,576.90
Your down payment is the seller’s equity. You take over the $508,595 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $105,982.08 is due at closing. Uses and sources reconcile at $614,576.90 each. Not a Closing Disclosure.