Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$90,884Cash toward the purchase price.
Closing costs + prepaids$15,305Not just lender fees.
Before credits & paid funds$106,189The complete starting cash picture.
Estimated remaining funds due at closing
$106,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,883.93
Your down payment$90,883.93
Closing costs + prepaids$15,305.50
Total buyer cash needed$106,189.43
Remaining funds due$106,189.43
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)$855.25
Prepaid interest, first (27 days)$2,325.25
Fees + prepaids$15,305.50
Your down payment is the seller’s equity. You take over the $474,116 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $106,189.43 is due at closing. Uses and sources reconcile at $580,305.50 each. Not a Closing Disclosure.