Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$107,428Cash toward the purchase price.
Closing costs + prepaids$14,939Not just lender fees.
Before credits & paid funds$122,367The complete starting cash picture.
Estimated remaining funds due at closing
$122,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,428.30
Your down payment$107,428.30
Closing costs + prepaids$14,938.75
Total buyer cash needed$122,367.05
Remaining funds due$122,367.05
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)$901.75
Prepaid interest, first (23 days)$1,812.00
Fees + prepaids$14,938.75
Your down payment is the seller’s equity. You take over the $467,572 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $122,367.05 is due at closing. Uses and sources reconcile at $589,938.75 each. Not a Closing Disclosure.