Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$80,820Cash toward the purchase price.
Closing costs + prepaids$17,363Not just lender fees.
Before credits & paid funds$98,183The complete starting cash picture.
Estimated remaining funds due at closing
$98,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,819.56
Your down payment$80,819.56
Closing costs + prepaids$17,363.04
Total buyer cash needed$98,182.61
Remaining funds due$98,182.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,755.00
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)$2,231.75
Initial HOA (3 months)$181.50
Prepaid interest, first (29 days)$2,719.79
Fees + prepaids$17,363.04
Your down payment is the seller’s equity. You take over the $494,680 balance, so the rest of the $575,500 price is paid at closing. A second mortgage can cover part of it. $98,182.61 is due at closing. Uses and sources reconcile at $592,863.04 each. Not a Closing Disclosure.