Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$114,020Cash toward the purchase price.
Closing costs + prepaids$16,225Not just lender fees.
Before credits & paid funds$130,245The complete starting cash picture.
Estimated remaining funds due at closing
$130,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,020.48
Your down payment$114,020.48
Closing costs + prepaids$16,224.72
Total buyer cash needed$130,245.20
Remaining funds due$130,245.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$1,449.75
Initial HOA (3 months)$918.00
Prepaid interest, first (18 days)$1,582.97
Fees + prepaids$16,224.72
Your down payment is the seller’s equity. You take over the $465,880 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $130,245.20 is due at closing. Uses and sources reconcile at $596,124.72 each. Not a Closing Disclosure.