Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$93,504Cash toward the purchase price.
Closing costs + prepaids$14,523Not just lender fees.
Before credits & paid funds$108,027The complete starting cash picture.
Estimated remaining funds due at closing
$108,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,504.03
Your down payment$93,504.03
Closing costs + prepaids$14,522.74
Total buyer cash needed$108,026.76
Remaining funds due$108,026.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$445.50
Initial HOA (3 months)$198.00
Prepaid interest, first (20 days)$1,654.24
Fees + prepaids$14,522.74
Your down payment is the seller’s equity. You take over the $481,496 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $108,026.76 is due at closing. Uses and sources reconcile at $589,522.74 each. Not a Closing Disclosure.