Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,739Cash toward the purchase price.
Closing costs + prepaids$15,200Not just lender fees.
Before credits & paid funds$103,940The complete starting cash picture.
Estimated remaining funds due at closing
$103,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,739.25
Your down payment$88,739.25
Closing costs + prepaids$15,200.37
Total buyer cash needed$103,939.62
Remaining funds due$103,939.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$1,412.50
Prepaid interest, first (27 days)$1,662.87
Fees + prepaids$15,200.37
Your down payment is the seller’s equity. You take over the $476,261 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $103,939.62 is due at closing. Uses and sources reconcile at $580,200.37 each. Not a Closing Disclosure.