Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$83,149Cash toward the purchase price.
Closing costs + prepaids$16,462Not just lender fees.
Before credits & paid funds$99,611The complete starting cash picture.
Estimated remaining funds due at closing
$99,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,148.83
Your down payment$83,148.83
Closing costs + prepaids$16,462.11
Total buyer cash needed$99,610.94
Remaining funds due$99,610.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$1,397.50
Initial HOA (3 months)$375.00
Prepaid interest, first (28 days)$2,624.61
Fees + prepaids$16,462.11
Your down payment is the seller’s equity. You take over the $475,851 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $99,610.94 is due at closing. Uses and sources reconcile at $575,462.11 each. Not a Closing Disclosure.