Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$80,476Cash toward the purchase price.
Closing costs + prepaids$14,040Not just lender fees.
Before credits & paid funds$94,515The complete starting cash picture.
Estimated remaining funds due at closing
$94,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,475.64
Your down payment$80,475.64
Closing costs + prepaids$14,039.79
Total buyer cash needed$94,515.43
Remaining funds due$94,515.43
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)$54.99
Prepaid interest, first (12 days)$1,069.80
Fees + prepaids$14,039.79
Your down payment is the seller’s equity. You take over the $494,524 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $94,515.43 is due at closing. Uses and sources reconcile at $589,039.79 each. Not a Closing Disclosure.