Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$65,960Cash toward the purchase price.
Closing costs + prepaids$13,256Not just lender fees.
Before credits & paid funds$79,216The complete starting cash picture.
Estimated remaining funds due at closing
$79,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,960.27
Your down payment$65,960.27
Closing costs + prepaids$13,255.98
Total buyer cash needed$79,216.25
Remaining funds due$79,216.25
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 (1 days)$97.73
Fees + prepaids$13,255.98
Your down payment is the seller’s equity. You take over the $523,040 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $79,216.25 is due at closing. Uses and sources reconcile at $602,255.98 each. Not a Closing Disclosure.