Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$124,343Cash toward the purchase price.
Closing costs + prepaids$14,594Not just lender fees.
Before credits & paid funds$138,937The complete starting cash picture.
Estimated remaining funds due at closing
$138,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,343.42
Your down payment$124,343.42
Closing costs + prepaids$14,593.91
Total buyer cash needed$138,937.33
Remaining funds due$138,937.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$625.75
Initial HOA (3 months)$84.99
Prepaid interest, first (22 days)$1,818.17
Fees + prepaids$14,593.91
Your down payment is the seller’s equity. You take over the $434,657 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $138,937.33 is due at closing. Uses and sources reconcile at $573,593.91 each. Not a Closing Disclosure.