Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$79,496Cash toward the purchase price.
Closing costs + prepaids$14,492Not just lender fees.
Before credits & paid funds$93,989The complete starting cash picture.
Estimated remaining funds due at closing
$93,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,496.12
Your down payment$79,496.12
Closing costs + prepaids$14,492.40
Total buyer cash needed$93,988.52
Remaining funds due$93,988.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,599.00
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)$792.00
Initial HOA (3 months)$6.24
Prepaid interest, first (6 days)$620.16
Fees + prepaids$14,492.40
Your down payment is the seller’s equity. You take over the $580,404 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $93,988.52 is due at closing. Uses and sources reconcile at $674,392.40 each. Not a Closing Disclosure.