Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$90,688Cash toward the purchase price.
Closing costs + prepaids$13,562Not just lender fees.
Before credits & paid funds$104,250The complete starting cash picture.
Estimated remaining funds due at closing
$104,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,687.83
Your down payment$90,687.83
Closing costs + prepaids$13,561.83
Total buyer cash needed$104,249.66
Remaining funds due$104,249.66
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)$690.00
Initial HOA (3 months)$201.00
Prepaid interest, first (12 days)$445.83
Fees + prepaids$13,561.83
Your down payment is the seller’s equity. You take over the $484,312 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $104,249.66 is due at closing. Uses and sources reconcile at $588,561.83 each. Not a Closing Disclosure.