Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$123,440Cash toward the purchase price.
Closing costs + prepaids$14,409Not just lender fees.
Before credits & paid funds$137,850The complete starting cash picture.
Estimated remaining funds due at closing
$137,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,440.29
Your down payment$123,440.29
Closing costs + prepaids$14,409.35
Total buyer cash needed$137,849.65
Remaining funds due$137,849.65
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)$499.50
Initial HOA (3 months)$260.01
Prepaid interest, first (19 days)$1,584.84
Fees + prepaids$14,409.35
Your down payment is the seller’s equity. You take over the $435,560 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $137,849.65 is due at closing. Uses and sources reconcile at $573,409.35 each. Not a Closing Disclosure.