Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$117,924Cash toward the purchase price.
Closing costs + prepaids$15,472Not just lender fees.
Before credits & paid funds$133,396The complete starting cash picture.
Estimated remaining funds due at closing
$133,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,924.01
Your down payment$117,924.01
Closing costs + prepaids$15,471.52
Total buyer cash needed$133,395.53
Remaining funds due$133,395.53
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)$1,713.75
Prepaid interest, first (24 days)$1,532.77
Fees + prepaids$15,471.52
Your down payment is the seller’s equity. You take over the $457,076 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $133,395.53 is due at closing. Uses and sources reconcile at $590,471.52 each. Not a Closing Disclosure.