Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$92,243Cash toward the purchase price.
Closing costs + prepaids$15,261Not just lender fees.
Before credits & paid funds$107,504The complete starting cash picture.
Estimated remaining funds due at closing
$107,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,242.90
Your down payment$92,242.90
Closing costs + prepaids$15,260.85
Total buyer cash needed$107,503.76
Remaining funds due$107,503.76
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)$764.25
Prepaid interest, first (25 days)$2,271.60
Fees + prepaids$15,260.85
Your down payment is the seller’s equity. You take over the $482,757 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $107,503.76 is due at closing. Uses and sources reconcile at $590,260.85 each. Not a Closing Disclosure.