Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$127,110Cash toward the purchase price.
Closing costs + prepaids$14,118Not just lender fees.
Before credits & paid funds$141,228The complete starting cash picture.
Estimated remaining funds due at closing
$141,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,110.04
Your down payment$127,110.04
Closing costs + prepaids$14,117.54
Total buyer cash needed$141,227.58
Remaining funds due$141,227.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.00
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)$700.00
Initial HOA (3 months)$99.00
Prepaid interest, first (16 days)$1,244.54
Fees + prepaids$14,117.54
Your down payment is the seller’s equity. You take over the $432,790 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $141,227.58 is due at closing. Uses and sources reconcile at $574,017.54 each. Not a Closing Disclosure.