Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$80,402Cash toward the purchase price.
Closing costs + prepaids$13,912Not just lender fees.
Before credits & paid funds$94,313The complete starting cash picture.
Estimated remaining funds due at closing
$94,313No 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$13,911.60
Total buyer cash needed$94,313.35
Remaining funds due$94,313.35
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 (10 days)$921.10
Fees + prepaids$13,911.60
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. $94,313.35 is due at closing. Uses and sources reconcile at $561,911.60 each. Not a Closing Disclosure.