Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$124,810Cash toward the purchase price.
Closing costs + prepaids$16,309Not just lender fees.
Before credits & paid funds$141,120The complete starting cash picture.
Estimated remaining funds due at closing
$141,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,810.19
Your down payment$124,810.19
Closing costs + prepaids$16,309.34
Total buyer cash needed$141,119.54
Remaining funds due$141,119.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,599.90
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)$1,882.00
Initial HOA (3 months)$27.51
Prepaid interest, first (30 days)$2,324.93
Fees + prepaids$16,309.34
Your down payment is the seller’s equity. You take over the $435,180 balance, so the rest of the $559,990 price is paid at closing. A second mortgage can cover part of it. $141,119.54 is due at closing. Uses and sources reconcile at $576,299.34 each. Not a Closing Disclosure.