Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$83,349Cash toward the purchase price.
Closing costs + prepaids$15,016Not just lender fees.
Before credits & paid funds$98,365The complete starting cash picture.
Estimated remaining funds due at closing
$98,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,348.86
Your down payment$83,348.86
Closing costs + prepaids$15,015.82
Total buyer cash needed$98,364.67
Remaining funds due$98,364.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,780.00
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)$267.25
Initial HOA (3 months)$480.00
Prepaid interest, first (23 days)$2,013.57
Fees + prepaids$15,015.82
Your down payment is the seller’s equity. You take over the $494,651 balance, so the rest of the $578,000 price is paid at closing. A second mortgage can cover part of it. $98,364.67 is due at closing. Uses and sources reconcile at $593,015.82 each. Not a Closing Disclosure.