Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$85,100Cash toward the purchase price.
Closing costs + prepaids$16,734Not just lender fees.
Before credits & paid funds$101,834The complete starting cash picture.
Estimated remaining funds due at closing
$101,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,099.83
Your down payment$85,099.83
Closing costs + prepaids$16,733.86
Total buyer cash needed$101,833.69
Remaining funds due$101,833.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.99
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)$1,656.00
Initial HOA (3 months)$240.00
Prepaid interest, first (31 days)$2,762.87
Fees + prepaids$16,733.86
Your down payment is the seller’s equity. You take over the $474,899 balance, so the rest of the $559,999 price is paid at closing. A second mortgage can cover part of it. $101,833.69 is due at closing. Uses and sources reconcile at $576,732.86 each. Not a Closing Disclosure.