Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$129,380Cash toward the purchase price.
Closing costs + prepaids$13,569Not just lender fees.
Before credits & paid funds$142,949The complete starting cash picture.
Estimated remaining funds due at closing
$142,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,379.58
Your down payment$129,379.58
Closing costs + prepaids$13,568.94
Total buyer cash needed$142,948.51
Remaining funds due$142,948.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$1,417.25
Prepaid interest, first (1 days)$76.69
Fees + prepaids$13,568.94
Your down payment is the seller’s equity. You take over the $430,620 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $142,948.51 is due at closing. Uses and sources reconcile at $573,568.94 each. Not a Closing Disclosure.