Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$88,565Cash toward the purchase price.
Closing costs + prepaids$15,598Not just lender fees.
Before credits & paid funds$104,163The complete starting cash picture.
Estimated remaining funds due at closing
$104,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,564.94
Your down payment$88,564.94
Closing costs + prepaids$15,597.88
Total buyer cash needed$104,162.81
Remaining funds due$104,162.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,690.00
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)$615.75
Initial HOA (3 months)$555.00
Prepaid interest, first (26 days)$2,262.13
Fees + prepaids$15,597.88
Your down payment is the seller’s equity. You take over the $480,435 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $104,162.81 is due at closing. Uses and sources reconcile at $584,597.88 each. Not a Closing Disclosure.