Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$65,449Cash toward the purchase price.
Closing costs + prepaids$13,101Not just lender fees.
Before credits & paid funds$78,550The complete starting cash picture.
Estimated remaining funds due at closing
$78,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,448.93
Your down payment$65,448.93
Closing costs + prepaids$13,101.14
Total buyer cash needed$78,550.06
Remaining funds due$78,550.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,999.00
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)$434.75
Initial HOA (3 months)$93.99
Prepaid interest, first (1 days)$98.40
Fees + prepaids$13,101.14
Your down payment is the seller’s equity. You take over the $534,451 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $78,550.06 is due at closing. Uses and sources reconcile at $613,001.14 each. Not a Closing Disclosure.