Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$113,593Cash toward the purchase price.
Closing costs + prepaids$16,905Not just lender fees.
Before credits & paid funds$130,498The complete starting cash picture.
Estimated remaining funds due at closing
$130,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,593.23
Your down payment$113,593.23
Closing costs + prepaids$16,904.92
Total buyer cash needed$130,498.15
Remaining funds due$130,498.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,790.00
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)$1,786.50
Initial HOA (3 months)$429.99
Prepaid interest, first (26 days)$2,423.43
Fees + prepaids$16,904.92
Your down payment is the seller’s equity. You take over the $465,407 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $130,498.15 is due at closing. Uses and sources reconcile at $595,904.92 each. Not a Closing Disclosure.