Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$129,842Cash toward the purchase price.
Closing costs + prepaids$15,194Not just lender fees.
Before credits & paid funds$145,036The complete starting cash picture.
Estimated remaining funds due at closing
$145,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,842.12
Your down payment$129,842.12
Closing costs + prepaids$15,194.24
Total buyer cash needed$145,036.36
Remaining funds due$145,036.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,698.50
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)$409.50
Initial HOA (3 months)$84.99
Prepaid interest, first (31 days)$2,526.25
Fees + prepaids$15,194.24
Your down payment is the seller’s equity. You take over the $440,008 balance, so the rest of the $569,850 price is paid at closing. A second mortgage can cover part of it. $145,036.36 is due at closing. Uses and sources reconcile at $585,044.24 each. Not a Closing Disclosure.