Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$97,983Cash toward the purchase price.
Closing costs + prepaids$15,735Not just lender fees.
Before credits & paid funds$113,719The complete starting cash picture.
Estimated remaining funds due at closing
$113,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,983.26
Your down payment$97,983.26
Closing costs + prepaids$15,735.28
Total buyer cash needed$113,718.54
Remaining funds due$113,718.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$1,370.25
Initial HOA (3 months)$105.00
Prepaid interest, first (23 days)$1,986.03
Fees + prepaids$15,735.28
Your down payment is the seller’s equity. You take over the $481,917 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $113,718.54 is due at closing. Uses and sources reconcile at $595,635.28 each. Not a Closing Disclosure.