Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$112,838Cash toward the purchase price.
Closing costs + prepaids$13,994Not just lender fees.
Before credits & paid funds$126,833The complete starting cash picture.
Estimated remaining funds due at closing
$126,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,838.40
Your down payment$112,838.40
Closing costs + prepaids$13,994.22
Total buyer cash needed$126,832.62
Remaining funds due$126,832.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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
Prepaid interest, first (16 days)$1,219.22
Fees + prepaids$13,994.22
Your down payment is the seller’s equity. You take over the $447,162 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $126,832.62 is due at closing. Uses and sources reconcile at $573,994.22 each. Not a Closing Disclosure.