Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$116,842Cash toward the purchase price.
Closing costs + prepaids$13,530Not just lender fees.
Before credits & paid funds$130,372The complete starting cash picture.
Estimated remaining funds due at closing
$130,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,842.12
Your down payment$116,842.12
Closing costs + prepaids$13,530.17
Total buyer cash needed$130,372.29
Remaining funds due$130,372.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,568.50
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)$668.25
Initial HOA (3 months)$84.99
Prepaid interest, first (9 days)$733.43
Fees + prepaids$13,530.17
Your down payment is the seller’s equity. You take over the $440,008 balance, so the rest of the $556,850 price is paid at closing. A second mortgage can cover part of it. $130,372.29 is due at closing. Uses and sources reconcile at $570,380.17 each. Not a Closing Disclosure.