Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$82,753Cash toward the purchase price.
Closing costs + prepaids$14,102Not just lender fees.
Before credits & paid funds$96,855The complete starting cash picture.
Estimated remaining funds due at closing
$96,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,752.74
Your down payment$82,752.74
Closing costs + prepaids$14,102.00
Total buyer cash needed$96,854.75
Remaining funds due$96,854.75
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)$706.25
Prepaid interest, first (14 days)$1,270.75
Fees + prepaids$14,102.00
Your down payment is the seller’s equity. You take over the $482,247 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $96,854.75 is due at closing. Uses and sources reconcile at $579,102.00 each. Not a Closing Disclosure.