Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$81,716Cash toward the purchase price.
Closing costs + prepaids$15,604Not just lender fees.
Before credits & paid funds$97,320The complete starting cash picture.
Estimated remaining funds due at closing
$97,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,716.15
Your down payment$81,716.15
Closing costs + prepaids$15,604.11
Total buyer cash needed$97,320.27
Remaining funds due$97,320.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,549.99
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)$1,387.50
Prepaid interest, first (27 days)$2,191.62
Fees + prepaids$15,604.11
Your down payment is the seller’s equity. You take over the $473,283 balance, so the rest of the $554,999 price is paid at closing. A second mortgage can cover part of it. $97,320.27 is due at closing. Uses and sources reconcile at $570,603.11 each. Not a Closing Disclosure.