Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$90,054Cash toward the purchase price.
Closing costs + prepaids$12,973Not just lender fees.
Before credits & paid funds$103,027The complete starting cash picture.
Estimated remaining funds due at closing
$103,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,053.94
Your down payment$90,053.94
Closing costs + prepaids$12,973.32
Total buyer cash needed$103,027.25
Remaining funds due$103,027.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,598.00
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)$671.75
Prepaid interest, first (6 days)$228.57
Fees + prepaids$12,973.32
Your down payment is the seller’s equity. You take over the $469,746 balance, so the rest of the $559,800 price is paid at closing. A second mortgage can cover part of it. $103,027.25 is due at closing. Uses and sources reconcile at $572,773.32 each. Not a Closing Disclosure.