Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$95,653Cash toward the purchase price.
Closing costs + prepaids$15,725Not just lender fees.
Before credits & paid funds$111,378The complete starting cash picture.
Estimated remaining funds due at closing
$111,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,652.54
Your down payment$95,652.54
Closing costs + prepaids$15,725.12
Total buyer cash needed$111,377.67
Remaining funds due$111,377.67
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)$1,500.25
Initial HOA (3 months)$171.00
Prepaid interest, first (22 days)$1,828.87
Fees + prepaids$15,725.12
Your down payment is the seller’s equity. You take over the $479,347 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $111,377.67 is due at closing. Uses and sources reconcile at $590,725.12 each. Not a Closing Disclosure.