Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$80,402Cash toward the purchase price.
Closing costs + prepaids$13,819Not just lender fees.
Before credits & paid funds$94,221The complete starting cash picture.
Estimated remaining funds due at closing
$94,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,401.74
Your down payment$80,401.74
Closing costs + prepaids$13,819.49
Total buyer cash needed$94,221.24
Remaining funds due$94,221.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,480.00
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)$657.50
Initial HOA (3 months)$378.00
Prepaid interest, first (9 days)$828.99
Fees + prepaids$13,819.49
Your down payment is the seller’s equity. You take over the $467,598 balance, so the rest of the $548,000 price is paid at closing. A second mortgage can cover part of it. $94,221.24 is due at closing. Uses and sources reconcile at $561,819.49 each. Not a Closing Disclosure.