Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$95,399Cash toward the purchase price.
Closing costs + prepaids$15,933Not just lender fees.
Before credits & paid funds$111,332The complete starting cash picture.
Estimated remaining funds due at closing
$111,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,399.29
Your down payment$95,399.29
Closing costs + prepaids$15,932.71
Total buyer cash needed$111,332.00
Remaining funds due$111,332.00
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)$1,572.50
Prepaid interest, first (25 days)$2,135.21
Fees + prepaids$15,932.71
Your down payment is the seller’s equity. You take over the $479,601 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $111,332.00 is due at closing. Uses and sources reconcile at $590,932.71 each. Not a Closing Disclosure.