Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$78,753Cash toward the purchase price.
Closing costs + prepaids$13,242Not just lender fees.
Before credits & paid funds$91,995The complete starting cash picture.
Estimated remaining funds due at closing
$91,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,753.16
Your down payment$78,753.16
Closing costs + prepaids$13,241.95
Total buyer cash needed$91,995.11
Remaining funds due$91,995.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,950.00
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)$532.25
Initial HOA (3 months)$198.00
Prepaid interest, first (1 days)$86.70
Fees + prepaids$13,241.95
Your down payment is the seller’s equity. You take over the $516,247 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $91,995.11 is due at closing. Uses and sources reconcile at $608,241.95 each. Not a Closing Disclosure.