Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$93,603Cash toward the purchase price.
Closing costs + prepaids$14,728Not just lender fees.
Before credits & paid funds$108,331The complete starting cash picture.
Estimated remaining funds due at closing
$108,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,603.33
Your down payment$93,603.33
Closing costs + prepaids$14,727.95
Total buyer cash needed$108,331.28
Remaining funds due$108,331.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$1,425.00
Prepaid interest, first (29 days)$1,127.95
Fees + prepaids$14,727.95
Your down payment is the seller’s equity. You take over the $476,397 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $108,331.28 is due at closing. Uses and sources reconcile at $584,727.95 each. Not a Closing Disclosure.