Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$100,393Cash toward the purchase price.
Closing costs + prepaids$13,909Not just lender fees.
Before credits & paid funds$114,301The complete starting cash picture.
Estimated remaining funds due at closing
$114,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,392.57
Your down payment$100,392.57
Closing costs + prepaids$13,908.75
Total buyer cash needed$114,301.32
Remaining funds due$114,301.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,798.00
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)$1,449.50
Prepaid interest, first (2 days)$186.25
Fees + prepaids$13,908.75
Your down payment is the seller’s equity. You take over the $479,407 balance, so the rest of the $579,800 price is paid at closing. A second mortgage can cover part of it. $114,301.32 is due at closing. Uses and sources reconcile at $593,708.75 each. Not a Closing Disclosure.