Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$80,232Cash toward the purchase price.
Closing costs + prepaids$16,386Not just lender fees.
Before credits & paid funds$96,617The complete starting cash picture.
Estimated remaining funds due at closing
$96,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,231.77
Your down payment$80,231.77
Closing costs + prepaids$16,385.65
Total buyer cash needed$96,617.42
Remaining funds due$96,617.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$1,635.75
Initial HOA (3 months)$180.00
Prepaid interest, first (23 days)$2,394.90
Fees + prepaids$16,385.65
Your down payment is the seller’s equity. You take over the $489,768 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $96,617.42 is due at closing. Uses and sources reconcile at $586,385.65 each. Not a Closing Disclosure.