Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$105,193Cash toward the purchase price.
Closing costs + prepaids$14,707Not just lender fees.
Before credits & paid funds$119,900The complete starting cash picture.
Estimated remaining funds due at closing
$119,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,193.30
Your down payment$105,193.30
Closing costs + prepaids$14,707.09
Total buyer cash needed$119,900.38
Remaining funds due$119,900.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,699.00
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)$522.50
Prepaid interest, first (24 days)$2,010.59
Fees + prepaids$14,707.09
Your down payment is the seller’s equity. You take over the $464,707 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $119,900.38 is due at closing. Uses and sources reconcile at $584,607.09 each. Not a Closing Disclosure.