Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$88,038Cash toward the purchase price.
Closing costs + prepaids$13,423Not just lender fees.
Before credits & paid funds$101,461The complete starting cash picture.
Estimated remaining funds due at closing
$101,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,037.94
Your down payment$88,037.94
Closing costs + prepaids$13,422.85
Total buyer cash needed$101,460.79
Remaining funds due$101,460.79
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 (1 days)$87.10
Fees + prepaids$13,422.85
Your down payment is the seller’s equity. You take over the $480,962 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $101,460.79 is due at closing. Uses and sources reconcile at $582,422.85 each. Not a Closing Disclosure.