Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$92,524Cash toward the purchase price.
Closing costs + prepaids$16,082Not just lender fees.
Before credits & paid funds$108,605The complete starting cash picture.
Estimated remaining funds due at closing
$108,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,523.90
Your down payment$92,523.90
Closing costs + prepaids$16,081.50
Total buyer cash needed$108,605.40
Remaining funds due$108,605.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$1,412.50
Initial HOA (3 months)$360.00
Prepaid interest, first (24 days)$2,184.00
Fees + prepaids$16,081.50
Your down payment is the seller’s equity. You take over the $472,476 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $108,605.40 is due at closing. Uses and sources reconcile at $581,081.50 each. Not a Closing Disclosure.