Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$73,318Cash toward the purchase price.
Closing costs + prepaids$13,654Not just lender fees.
Before credits & paid funds$86,972The complete starting cash picture.
Estimated remaining funds due at closing
$86,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,317.97
Your down payment$73,317.97
Closing costs + prepaids$13,654.11
Total buyer cash needed$86,972.09
Remaining funds due$86,972.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.99
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)$582.25
Initial HOA (3 months)$495.00
Prepaid interest, first (1 days)$101.87
Fees + prepaids$13,654.11
Your down payment is the seller’s equity. You take over the $526,681 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $86,972.09 is due at closing. Uses and sources reconcile at $613,653.11 each. Not a Closing Disclosure.