Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$101,307Cash toward the purchase price.
Closing costs + prepaids$13,805Not just lender fees.
Before credits & paid funds$115,112The complete starting cash picture.
Estimated remaining funds due at closing
$115,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,307.14
Your down payment$101,307.14
Closing costs + prepaids$13,804.88
Total buyer cash needed$115,112.02
Remaining funds due$115,112.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,839.00
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 (9 days)$790.13
Fees + prepaids$13,804.88
Your down payment is the seller’s equity. You take over the $482,593 balance, so the rest of the $583,900 price is paid at closing. A second mortgage can cover part of it. $115,112.02 is due at closing. Uses and sources reconcile at $597,704.88 each. Not a Closing Disclosure.