Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,532Cash toward the purchase price.
Closing costs + prepaids$16,364Not just lender fees.
Before credits & paid funds$101,897The complete starting cash picture.
Estimated remaining funds due at closing
$101,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,532.45
Your down payment$85,532.45
Closing costs + prepaids$16,364.39
Total buyer cash needed$101,896.84
Remaining funds due$101,896.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$1,399.75
Initial HOA (3 months)$501.00
Prepaid interest, first (27 days)$2,389.64
Fees + prepaids$16,364.39
Your down payment is the seller’s equity. You take over the $474,368 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $101,896.84 is due at closing. Uses and sources reconcile at $576,264.39 each. Not a Closing Disclosure.