Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$104,031Cash toward the purchase price.
Closing costs + prepaids$15,933Not just lender fees.
Before credits & paid funds$119,964The complete starting cash picture.
Estimated remaining funds due at closing
$119,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,030.79
Your down payment$104,030.79
Closing costs + prepaids$15,933.37
Total buyer cash needed$119,964.16
Remaining funds due$119,964.16
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)$1,489.50
Prepaid interest, first (26 days)$2,269.87
Fees + prepaids$15,933.37
Your down payment is the seller’s equity. You take over the $465,869 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $119,964.16 is due at closing. Uses and sources reconcile at $585,833.37 each. Not a Closing Disclosure.