Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$114,020Cash toward the purchase price.
Closing costs + prepaids$17,192Not just lender fees.
Before credits & paid funds$131,213The complete starting cash picture.
Estimated remaining funds due at closing
$131,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,020.48
Your down payment$114,020.48
Closing costs + prepaids$17,192.09
Total buyer cash needed$131,212.57
Remaining funds due$131,212.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,799.00
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)$1,449.75
Initial HOA (3 months)$918.00
Prepaid interest, first (29 days)$2,550.34
Fees + prepaids$17,192.09
Your down payment is the seller’s equity. You take over the $465,880 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $131,212.57 is due at closing. Uses and sources reconcile at $597,092.09 each. Not a Closing Disclosure.