Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$88,565Cash toward the purchase price.
Closing costs + prepaids$14,989Not just lender fees.
Before credits & paid funds$103,554The complete starting cash picture.
Estimated remaining funds due at closing
$103,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,564.94
Your down payment$88,564.94
Closing costs + prepaids$14,988.84
Total buyer cash needed$103,553.78
Remaining funds due$103,553.78
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)$615.75
Initial HOA (3 months)$555.00
Prepaid interest, first (19 days)$1,653.09
Fees + prepaids$14,988.84
Your down payment is the seller’s equity. You take over the $480,435 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $103,553.78 is due at closing. Uses and sources reconcile at $583,988.84 each. Not a Closing Disclosure.