Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$113,425Cash toward the purchase price.
Closing costs + prepaids$16,055Not just lender fees.
Before credits & paid funds$129,480The complete starting cash picture.
Estimated remaining funds due at closing
$129,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,425.26
Your down payment$113,425.26
Closing costs + prepaids$16,054.53
Total buyer cash needed$129,479.79
Remaining funds due$129,479.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,600.00
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)$1,782.75
Prepaid interest, first (27 days)$2,196.78
Fees + prepaids$16,054.53
Your down payment is the seller’s equity. You take over the $446,575 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $129,479.79 is due at closing. Uses and sources reconcile at $576,054.53 each. Not a Closing Disclosure.