Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$102,179Cash toward the purchase price.
Closing costs + prepaids$15,479Not just lender fees.
Before credits & paid funds$117,658The complete starting cash picture.
Estimated remaining funds due at closing
$117,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,178.84
Your down payment$102,178.84
Closing costs + prepaids$15,478.70
Total buyer cash needed$117,657.54
Remaining funds due$117,657.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$656.00
Initial HOA (3 months)$176.01
Prepaid interest, first (27 days)$2,371.69
Fees + prepaids$15,478.70
Your down payment is the seller’s equity. You take over the $477,821 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $117,657.54 is due at closing. Uses and sources reconcile at $595,478.70 each. Not a Closing Disclosure.