Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,571Cash toward the purchase price.
Closing costs + prepaids$16,228Not just lender fees.
Before credits & paid funds$118,799The complete starting cash picture.
Estimated remaining funds due at closing
$118,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,570.57
Your down payment$102,570.57
Closing costs + prepaids$16,228.37
Total buyer cash needed$118,798.94
Remaining funds due$118,798.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,750.00
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)$1,437.50
Prepaid interest, first (28 days)$2,565.87
Fees + prepaids$16,228.37
Your down payment is the seller’s equity. You take over the $472,429 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $118,798.94 is due at closing. Uses and sources reconcile at $591,228.37 each. Not a Closing Disclosure.