Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$128,925Cash toward the purchase price.
Closing costs + prepaids$15,661Not just lender fees.
Before credits & paid funds$144,585The complete starting cash picture.
Estimated remaining funds due at closing
$144,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,924.86
Your down payment$128,924.86
Closing costs + prepaids$15,660.50
Total buyer cash needed$144,585.36
Remaining funds due$144,585.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,700.00
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)$1,420.75
Initial HOA (3 months)$37.50
Prepaid interest, first (24 days)$2,027.25
Fees + prepaids$15,660.50
Your down payment is the seller’s equity. You take over the $441,075 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $144,585.36 is due at closing. Uses and sources reconcile at $585,660.50 each. Not a Closing Disclosure.