Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$75,232Cash toward the purchase price.
Closing costs + prepaids$13,608Not just lender fees.
Before credits & paid funds$88,840The complete starting cash picture.
Estimated remaining funds due at closing
$88,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,231.77
Your down payment$75,231.77
Closing costs + prepaids$13,607.76
Total buyer cash needed$88,839.53
Remaining funds due$88,839.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$678.00
Initial HOA (3 months)$180.00
Prepaid interest, first (6 days)$624.76
Fees + prepaids$13,607.76
Your down payment is the seller’s equity. You take over the $489,768 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $88,839.53 is due at closing. Uses and sources reconcile at $578,607.76 each. Not a Closing Disclosure.