Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$77,436Cash toward the purchase price.
Closing costs + prepaids$16,111Not just lender fees.
Before credits & paid funds$93,547The complete starting cash picture.
Estimated remaining funds due at closing
$93,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,435.91
Your down payment$77,435.91
Closing costs + prepaids$16,110.99
Total buyer cash needed$93,546.90
Remaining funds due$93,546.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$1,424.75
Prepaid interest, first (28 days)$2,512.24
Fees + prepaids$16,110.99
Your down payment is the seller’s equity. You take over the $492,464 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $93,546.90 is due at closing. Uses and sources reconcile at $586,010.99 each. Not a Closing Disclosure.