Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$107,912Cash toward the purchase price.
Closing costs + prepaids$15,928Not just lender fees.
Before credits & paid funds$123,840The complete starting cash picture.
Estimated remaining funds due at closing
$123,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,911.72
Your down payment$107,911.72
Closing costs + prepaids$15,928.15
Total buyer cash needed$123,839.87
Remaining funds due$123,839.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,749.99
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)$1,463.25
Initial HOA (3 months)$315.00
Prepaid interest, first (23 days)$1,924.91
Fees + prepaids$15,928.15
Your down payment is the seller’s equity. You take over the $467,087 balance, so the rest of the $574,999 price is paid at closing. A second mortgage can cover part of it. $123,839.87 is due at closing. Uses and sources reconcile at $590,927.15 each. Not a Closing Disclosure.