Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$81,362Cash toward the purchase price.
Closing costs + prepaids$15,864Not just lender fees.
Before credits & paid funds$97,226The complete starting cash picture.
Estimated remaining funds due at closing
$97,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,361.85
Your down payment$81,361.85
Closing costs + prepaids$15,863.74
Total buyer cash needed$97,225.59
Remaining funds due$97,225.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$1,469.25
Prepaid interest, first (27 days)$2,120.49
Fees + prepaids$15,863.74
Your down payment is the seller’s equity. You take over the $498,538 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $97,225.59 is due at closing. Uses and sources reconcile at $595,763.74 each. Not a Closing Disclosure.