Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$87,714Cash toward the purchase price.
Closing costs + prepaids$13,694Not just lender fees.
Before credits & paid funds$101,408The complete starting cash picture.
Estimated remaining funds due at closing
$101,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,713.80
Your down payment$87,713.80
Closing costs + prepaids$13,693.71
Total buyer cash needed$101,407.51
Remaining funds due$101,407.51
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)$682.75
Initial HOA (3 months)$282.00
Prepaid interest, first (7 days)$563.96
Fees + prepaids$13,693.71
Your down payment is the seller’s equity. You take over the $481,286 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $101,407.51 is due at closing. Uses and sources reconcile at $582,693.71 each. Not a Closing Disclosure.