Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$90,125Cash toward the purchase price.
Closing costs + prepaids$14,637Not just lender fees.
Before credits & paid funds$104,762The complete starting cash picture.
Estimated remaining funds due at closing
$104,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,125.12
Your down payment$90,125.12
Closing costs + prepaids$14,636.57
Total buyer cash needed$104,761.69
Remaining funds due$104,761.69
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)$1,035.00
Prepaid interest, first (9 days)$798.57
Fees + prepaids$14,636.57
Your down payment is the seller’s equity. You take over the $474,875 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $104,761.69 is due at closing. Uses and sources reconcile at $579,636.57 each. Not a Closing Disclosure.