Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$93,504Cash toward the purchase price.
Closing costs + prepaids$13,940Not just lender fees.
Before credits & paid funds$107,444The complete starting cash picture.
Estimated remaining funds due at closing
$107,444No 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$13,940.12
Total buyer cash needed$107,444.14
Remaining funds due$107,444.14
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)$690.00
Initial HOA (3 months)$198.00
Prepaid interest, first (10 days)$827.12
Fees + prepaids$13,940.12
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. $107,444.14 is due at closing. Uses and sources reconcile at $588,940.12 each. Not a Closing Disclosure.