Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$129,789Cash toward the purchase price.
Closing costs + prepaids$13,500Not just lender fees.
Before credits & paid funds$143,289The complete starting cash picture.
Estimated remaining funds due at closing
$143,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,789.15
Your down payment$129,789.15
Closing costs + prepaids$13,500.07
Total buyer cash needed$143,289.23
Remaining funds due$143,289.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,549.97
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)$1,387.50
Prepaid interest, first (2 days)$87.60
Fees + prepaids$13,500.07
Your down payment is the seller’s equity. You take over the $425,208 balance, so the rest of the $554,997 price is paid at closing. A second mortgage can cover part of it. $143,289.23 is due at closing. Uses and sources reconcile at $568,497.07 each. Not a Closing Disclosure.