Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$90,688Cash toward the purchase price.
Closing costs + prepaids$13,376Not just lender fees.
Before credits & paid funds$104,064The complete starting cash picture.
Estimated remaining funds due at closing
$104,064No 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$13,376.07
Total buyer cash needed$104,063.90
Remaining funds due$104,063.90
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 (7 days)$260.07
Fees + prepaids$13,376.07
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. $104,063.90 is due at closing. Uses and sources reconcile at $588,376.07 each. Not a Closing Disclosure.