Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$76,651Cash toward the purchase price.
Closing costs + prepaids$13,073Not just lender fees.
Before credits & paid funds$89,723The complete starting cash picture.
Estimated remaining funds due at closing
$89,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,650.72
Your down payment$76,650.72
Closing costs + prepaids$13,072.59
Total buyer cash needed$89,723.32
Remaining funds due$89,723.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,897.00
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)$422.00
Initial HOA (3 months)$87.99
Prepaid interest, first (2 days)$190.60
Fees + prepaids$13,072.59
Your down payment is the seller’s equity. You take over the $513,049 balance, so the rest of the $589,700 price is paid at closing. A second mortgage can cover part of it. $89,723.32 is due at closing. Uses and sources reconcile at $602,772.59 each. Not a Closing Disclosure.