Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$138,123Cash toward the purchase price.
Closing costs + prepaids$17,087Not just lender fees.
Before credits & paid funds$155,209The complete starting cash picture.
Estimated remaining funds due at closing
$155,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,122.56
Your down payment$138,122.56
Closing costs + prepaids$17,086.62
Total buyer cash needed$155,209.18
Remaining funds due$155,209.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$1,425.00
Initial HOA (3 months)$1,194.00
Prepaid interest, first (28 days)$2,292.62
Fees + prepaids$17,086.62
Your down payment is the seller’s equity. You take over the $431,877 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $155,209.18 is due at closing. Uses and sources reconcile at $587,086.62 each. Not a Closing Disclosure.