Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$76,065Cash toward the purchase price.
Closing costs + prepaids$15,756Not just lender fees.
Before credits & paid funds$91,821The complete starting cash picture.
Estimated remaining funds due at closing
$91,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,065.00
Your down payment$76,065.00
Closing costs + prepaids$15,756.22
Total buyer cash needed$91,821.21
Remaining funds due$91,821.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$1,259.25
Initial HOA (3 months)$255.00
Prepaid interest, first (24 days)$2,166.97
Fees + prepaids$15,756.22
Your down payment is the seller’s equity. You take over the $483,935 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $91,821.21 is due at closing. Uses and sources reconcile at $575,756.22 each. Not a Closing Disclosure.