Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$91,308Cash toward the purchase price.
Closing costs + prepaids$15,928Not just lender fees.
Before credits & paid funds$107,236The complete starting cash picture.
Estimated remaining funds due at closing
$107,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,308.38
Your down payment$91,308.38
Closing costs + prepaids$15,927.90
Total buyer cash needed$107,236.28
Remaining funds due$107,236.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,616.75
Initial HOA (3 months)$105.00
Prepaid interest, first (23 days)$1,981.15
Fees + prepaids$15,927.90
Your down payment is the seller’s equity. You take over the $483,692 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $107,236.28 is due at closing. Uses and sources reconcile at $590,927.90 each. Not a Closing Disclosure.