Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$108,468Cash toward the purchase price.
Closing costs + prepaids$15,610Not just lender fees.
Before credits & paid funds$124,078The complete starting cash picture.
Estimated remaining funds due at closing
$124,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,468.07
Your down payment$108,468.07
Closing costs + prepaids$15,609.51
Total buyer cash needed$124,077.58
Remaining funds due$124,077.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,650.00
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)$1,045.50
Prepaid interest, first (30 days)$2,439.01
Fees + prepaids$15,609.51
Your down payment is the seller’s equity. You take over the $456,532 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $124,077.58 is due at closing. Uses and sources reconcile at $580,609.51 each. Not a Closing Disclosure.