Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$99,302Cash toward the purchase price.
Closing costs + prepaids$14,278Not just lender fees.
Before credits & paid funds$113,580The complete starting cash picture.
Estimated remaining funds due at closing
$113,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,301.73
Your down payment$99,301.73
Closing costs + prepaids$14,278.06
Total buyer cash needed$113,579.79
Remaining funds due$113,579.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,899.99
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)$737.50
Prepaid interest, first (17 days)$1,165.57
Fees + prepaids$14,278.06
Your down payment is the seller’s equity. You take over the $490,697 balance, so the rest of the $589,999 price is paid at closing. A second mortgage can cover part of it. $113,579.79 is due at closing. Uses and sources reconcile at $604,277.06 each. Not a Closing Disclosure.