Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$78,087Cash toward the purchase price.
Closing costs + prepaids$17,704Not just lender fees.
Before credits & paid funds$95,791The complete starting cash picture.
Estimated remaining funds due at closing
$95,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,087.12
Your down payment$78,087.12
Closing costs + prepaids$17,703.82
Total buyer cash needed$95,790.94
Remaining funds due$95,790.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$2,679.50
Prepaid interest, first (31 days)$2,849.32
Fees + prepaids$17,703.82
Your down payment is the seller’s equity. You take over the $491,913 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $95,790.94 is due at closing. Uses and sources reconcile at $587,703.82 each. Not a Closing Disclosure.