Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$111,091Cash toward the purchase price.
Closing costs + prepaids$14,575Not just lender fees.
Before credits & paid funds$125,666The complete starting cash picture.
Estimated remaining funds due at closing
$125,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,090.94
Your down payment$111,090.94
Closing costs + prepaids$14,575.45
Total buyer cash needed$125,666.39
Remaining funds due$125,666.39
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)$415.25
Prepaid interest, first (23 days)$1,935.20
Fees + prepaids$14,575.45
Your down payment is the seller’s equity. You take over the $463,909 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $125,666.39 is due at closing. Uses and sources reconcile at $589,575.45 each. Not a Closing Disclosure.