Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$88,565Cash toward the purchase price.
Closing costs + prepaids$14,902Not just lender fees.
Before credits & paid funds$103,467The complete starting cash picture.
Estimated remaining funds due at closing
$103,467No 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$14,901.84
Total buyer cash needed$103,466.77
Remaining funds due$103,466.77
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 (18 days)$1,566.09
Fees + prepaids$14,901.84
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. $103,466.77 is due at closing. Uses and sources reconcile at $583,901.84 each. Not a Closing Disclosure.