Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$107,660Cash toward the purchase price.
Closing costs + prepaids$15,961Not just lender fees.
Before credits & paid funds$123,621The complete starting cash picture.
Estimated remaining funds due at closing
$123,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,660.06
Your down payment$107,660.06
Closing costs + prepaids$15,960.53
Total buyer cash needed$123,620.60
Remaining funds due$123,620.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
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)$1,282.75
Initial HOA (3 months)$213.00
Prepaid interest, first (30 days)$2,540.78
Fees + prepaids$15,960.53
Your down payment is the seller’s equity. You take over the $437,240 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $123,620.60 is due at closing. Uses and sources reconcile at $560,860.53 each. Not a Closing Disclosure.