Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$93,603Cash toward the purchase price.
Closing costs + prepaids$14,300Not just lender fees.
Before credits & paid funds$107,903The complete starting cash picture.
Estimated remaining funds due at closing
$107,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,603.33
Your down payment$93,603.33
Closing costs + prepaids$14,300.11
Total buyer cash needed$107,903.44
Remaining funds due$107,903.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$1,425.00
Prepaid interest, first (18 days)$700.11
Fees + prepaids$14,300.11
Your down payment is the seller’s equity. You take over the $476,397 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $107,903.44 is due at closing. Uses and sources reconcile at $584,300.11 each. Not a Closing Disclosure.