Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$76,797Cash toward the purchase price.
Closing costs + prepaids$14,724Not just lender fees.
Before credits & paid funds$91,521The complete starting cash picture.
Estimated remaining funds due at closing
$91,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,796.76
Your down payment$76,796.76
Closing costs + prepaids$14,723.88
Total buyer cash needed$91,520.63
Remaining funds due$91,520.63
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)$1,437.50
Prepaid interest, first (27 days)$1,061.38
Fees + prepaids$14,723.88
Your down payment is the seller’s equity. You take over the $498,203 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $91,520.63 is due at closing. Uses and sources reconcile at $589,723.88 each. Not a Closing Disclosure.