Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$107,014Cash toward the purchase price.
Closing costs + prepaids$13,669Not just lender fees.
Before credits & paid funds$120,683The complete starting cash picture.
Estimated remaining funds due at closing
$120,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,014.20
Your down payment$107,014.20
Closing costs + prepaids$13,669.13
Total buyer cash needed$120,683.33
Remaining funds due$120,683.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$1,424.75
Prepaid interest, first (1 days)$70.38
Fees + prepaids$13,669.13
Your down payment is the seller’s equity. You take over the $462,886 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $120,683.33 is due at closing. Uses and sources reconcile at $583,569.13 each. Not a Closing Disclosure.