Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$94,215Cash toward the purchase price.
Closing costs + prepaids$13,888Not just lender fees.
Before credits & paid funds$108,104The complete starting cash picture.
Estimated remaining funds due at closing
$108,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,215.29
Your down payment$94,215.29
Closing costs + prepaids$13,888.23
Total buyer cash needed$108,103.52
Remaining funds due$108,103.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$696.00
Initial HOA (3 months)$165.00
Prepaid interest, first (9 days)$752.23
Fees + prepaids$13,888.23
Your down payment is the seller’s equity. You take over the $485,785 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $108,103.52 is due at closing. Uses and sources reconcile at $593,888.23 each. Not a Closing Disclosure.