Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$82,823Cash toward the purchase price.
Closing costs + prepaids$13,090Not just lender fees.
Before credits & paid funds$95,913The complete starting cash picture.
Estimated remaining funds due at closing
$95,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,823.45
Your down payment$82,823.45
Closing costs + prepaids$13,089.89
Total buyer cash needed$95,913.34
Remaining funds due$95,913.34
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)$87.64
Fees + prepaids$13,089.89
Your down payment is the seller’s equity. You take over the $495,177 balance, so the rest of the $578,000 price is paid at closing. A second mortgage can cover part of it. $95,913.34 is due at closing. Uses and sources reconcile at $591,089.89 each. Not a Closing Disclosure.