Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$128,019Cash toward the purchase price.
Closing costs + prepaids$13,789Not just lender fees.
Before credits & paid funds$141,808The complete starting cash picture.
Estimated remaining funds due at closing
$141,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,019.27
Your down payment$128,019.27
Closing costs + prepaids$13,789.04
Total buyer cash needed$141,808.32
Remaining funds due$141,808.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,840.00
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)$700.75
Prepaid interest, first (10 days)$773.29
Fees + prepaids$13,789.04
Your down payment is the seller’s equity. You take over the $455,981 balance, so the rest of the $584,000 price is paid at closing. A second mortgage can cover part of it. $141,808.32 is due at closing. Uses and sources reconcile at $597,789.04 each. Not a Closing Disclosure.