Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$85,063Cash toward the purchase price.
Closing costs + prepaids$16,206Not just lender fees.
Before credits & paid funds$101,268The complete starting cash picture.
Estimated remaining funds due at closing
$101,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,062.61
Your down payment$85,062.61
Closing costs + prepaids$16,205.66
Total buyer cash needed$101,268.27
Remaining funds due$101,268.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,580.00
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)$1,949.25
Initial HOA (3 months)$53.76
Prepaid interest, first (25 days)$2,147.65
Fees + prepaids$16,205.66
Your down payment is the seller’s equity. You take over the $472,937 balance, so the rest of the $558,000 price is paid at closing. A second mortgage can cover part of it. $101,268.27 is due at closing. Uses and sources reconcile at $574,205.66 each. Not a Closing Disclosure.