Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$80,376Cash toward the purchase price.
Closing costs + prepaids$15,652Not just lender fees.
Before credits & paid funds$96,028The complete starting cash picture.
Estimated remaining funds due at closing
$96,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,376.10
Your down payment$80,376.10
Closing costs + prepaids$15,651.90
Total buyer cash needed$96,028.00
Remaining funds due$96,028.00
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)$549.75
Initial HOA (3 months)$165.00
Prepaid interest, first (30 days)$2,812.15
Fees + prepaids$15,651.90
Your down payment is the seller’s equity. You take over the $484,624 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $96,028.00 is due at closing. Uses and sources reconcile at $580,651.90 each. Not a Closing Disclosure.