Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$120,272Cash toward the purchase price.
Closing costs + prepaids$14,126Not just lender fees.
Before credits & paid funds$134,398The complete starting cash picture.
Estimated remaining funds due at closing
$134,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,271.70
Your down payment$120,271.70
Closing costs + prepaids$14,126.37
Total buyer cash needed$134,398.06
Remaining funds due$134,398.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,845.00
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)$701.50
Initial HOA (3 months)$378.00
Prepaid interest, first (9 days)$726.87
Fees + prepaids$14,126.37
Your down payment is the seller’s equity. You take over the $464,228 balance, so the rest of the $584,500 price is paid at closing. A second mortgage can cover part of it. $134,398.06 is due at closing. Uses and sources reconcile at $598,626.37 each. Not a Closing Disclosure.