Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$110,636Cash toward the purchase price.
Closing costs + prepaids$12,809Not just lender fees.
Before credits & paid funds$123,445The complete starting cash picture.
Estimated remaining funds due at closing
$123,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,636.41
Your down payment$110,636.41
Closing costs + prepaids$12,808.69
Total buyer cash needed$123,445.10
Remaining funds due$123,445.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$415.25
Prepaid interest, first (2 days)$168.44
Fees + prepaids$12,808.69
Your down payment is the seller’s equity. You take over the $464,364 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $123,445.10 is due at closing. Uses and sources reconcile at $587,808.69 each. Not a Closing Disclosure.