Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$75,774Cash toward the purchase price.
Closing costs + prepaids$15,812Not just lender fees.
Before credits & paid funds$91,586The complete starting cash picture.
Estimated remaining funds due at closing
$91,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,774.09
Your down payment$75,774.09
Closing costs + prepaids$15,812.28
Total buyer cash needed$91,586.36
Remaining funds due$91,586.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$1,399.75
Prepaid interest, first (27 days)$2,338.53
Fees + prepaids$15,812.28
Your down payment is the seller’s equity. You take over the $484,126 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $91,586.36 is due at closing. Uses and sources reconcile at $575,712.28 each. Not a Closing Disclosure.