Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$83,582Cash toward the purchase price.
Closing costs + prepaids$13,085Not just lender fees.
Before credits & paid funds$96,667The complete starting cash picture.
Estimated remaining funds due at closing
$96,667No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,582.29
Your down payment$83,582.29
Closing costs + prepaids$13,085.15
Total buyer cash needed$96,667.44
Remaining funds due$96,667.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,780.00
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)$267.25
Initial HOA (3 months)$480.00
Prepaid interest, first (1 days)$82.90
Fees + prepaids$13,085.15
Your down payment is the seller’s equity. You take over the $494,418 balance, so the rest of the $578,000 price is paid at closing. A second mortgage can cover part of it. $96,667.44 is due at closing. Uses and sources reconcile at $591,085.15 each. Not a Closing Disclosure.