Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$81,416Cash toward the purchase price.
Closing costs + prepaids$16,842Not just lender fees.
Before credits & paid funds$98,258The complete starting cash picture.
Estimated remaining funds due at closing
$98,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,416.00
Your down payment$81,416.00
Closing costs + prepaids$16,841.75
Total buyer cash needed$98,257.75
Remaining funds due$98,257.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$1,450.00
Initial HOA (3 months)$405.00
Prepaid interest, first (28 days)$2,711.75
Fees + prepaids$16,841.75
Your down payment is the seller’s equity. You take over the $498,584 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $98,257.75 is due at closing. Uses and sources reconcile at $596,841.75 each. Not a Closing Disclosure.