Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$128,019Cash toward the purchase price.
Closing costs + prepaids$14,570Not just lender fees.
Before credits & paid funds$142,589The complete starting cash picture.
Estimated remaining funds due at closing
$142,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,019.27
Your down payment$128,019.27
Closing costs + prepaids$14,569.72
Total buyer cash needed$142,588.99
Remaining funds due$142,588.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,840.00
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)$89.50
Prepaid interest, first (28 days)$2,165.22
Fees + prepaids$14,569.72
Your down payment is the seller’s equity. You take over the $455,981 balance, so the rest of the $584,000 price is paid at closing. A second mortgage can cover part of it. $142,588.99 is due at closing. Uses and sources reconcile at $598,569.72 each. Not a Closing Disclosure.