Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$81,859Cash toward the purchase price.
Closing costs + prepaids$14,077Not just lender fees.
Before credits & paid funds$95,936The complete starting cash picture.
Estimated remaining funds due at closing
$95,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,858.79
Your down payment$81,858.79
Closing costs + prepaids$14,077.40
Total buyer cash needed$95,936.19
Remaining funds due$95,936.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,090.00
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)$730.75
Initial HOA (3 months)$234.00
Prepaid interest, first (6 days)$547.65
Fees + prepaids$14,077.40
Your down payment is the seller’s equity. You take over the $527,141 balance, so the rest of the $609,000 price is paid at closing. A second mortgage can cover part of it. $95,936.19 is due at closing. Uses and sources reconcile at $623,077.40 each. Not a Closing Disclosure.