Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$95,653Cash toward the purchase price.
Closing costs + prepaids$16,390Not just lender fees.
Before credits & paid funds$112,043The complete starting cash picture.
Estimated remaining funds due at closing
$112,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,652.54
Your down payment$95,652.54
Closing costs + prepaids$16,390.17
Total buyer cash needed$112,042.71
Remaining funds due$112,042.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,500.25
Initial HOA (3 months)$171.00
Prepaid interest, first (30 days)$2,493.92
Fees + prepaids$16,390.17
Your down payment is the seller’s equity. You take over the $479,347 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $112,042.71 is due at closing. Uses and sources reconcile at $591,390.17 each. Not a Closing Disclosure.