Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$95,657Cash toward the purchase price.
Closing costs + prepaids$13,717Not just lender fees.
Before credits & paid funds$109,373The complete starting cash picture.
Estimated remaining funds due at closing
$109,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,656.74
Your down payment$95,656.74
Closing costs + prepaids$13,716.72
Total buyer cash needed$109,373.46
Remaining funds due$109,373.46
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)$684.00
Prepaid interest, first (12 days)$857.72
Fees + prepaids$13,716.72
Your down payment is the seller’s equity. You take over the $474,343 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $109,373.46 is due at closing. Uses and sources reconcile at $583,716.72 each. Not a Closing Disclosure.