Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$119,812Cash toward the purchase price.
Closing costs + prepaids$16,355Not just lender fees.
Before credits & paid funds$136,167The complete starting cash picture.
Estimated remaining funds due at closing
$136,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,811.66
Your down payment$119,811.66
Closing costs + prepaids$16,355.02
Total buyer cash needed$136,166.68
Remaining funds due$136,166.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$1,563.00
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$2,318.02
Fees + prepaids$16,355.02
Your down payment is the seller’s equity. You take over the $450,088 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $136,166.68 is due at closing. Uses and sources reconcile at $586,255.02 each. Not a Closing Disclosure.