Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$127,607Cash toward the purchase price.
Closing costs + prepaids$14,606Not just lender fees.
Before credits & paid funds$142,213The complete starting cash picture.
Estimated remaining funds due at closing
$142,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,606.58
Your down payment$127,606.58
Closing costs + prepaids$14,605.96
Total buyer cash needed$142,212.55
Remaining funds due$142,212.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,690.00
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)$397.25
Prepaid interest, first (26 days)$2,043.71
Fees + prepaids$14,605.96
Your down payment is the seller’s equity. You take over the $441,393 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $142,212.55 is due at closing. Uses and sources reconcile at $583,605.96 each. Not a Closing Disclosure.