Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$114,491Cash toward the purchase price.
Closing costs + prepaids$13,128Not just lender fees.
Before credits & paid funds$127,619The complete starting cash picture.
Estimated remaining funds due at closing
$127,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,491.48
Your down payment$114,491.48
Closing costs + prepaids$13,128.00
Total buyer cash needed$127,619.48
Remaining funds due$127,619.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,649.00
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)$585.50
Initial HOA (3 months)$264.00
Prepaid interest, first (2 days)$154.50
Fees + prepaids$13,128.00
Your down payment is the seller’s equity. You take over the $450,409 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $127,619.48 is due at closing. Uses and sources reconcile at $578,028.00 each. Not a Closing Disclosure.