Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$118,234Cash toward the purchase price.
Closing costs + prepaids$13,699Not just lender fees.
Before credits & paid funds$131,933The complete starting cash picture.
Estimated remaining funds due at closing
$131,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,234.24
Your down payment$118,234.24
Closing costs + prepaids$13,698.57
Total buyer cash needed$131,932.81
Remaining funds due$131,932.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$696.00
Prepaid interest, first (9 days)$727.57
Fees + prepaids$13,698.57
Your down payment is the seller’s equity. You take over the $461,766 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $131,932.81 is due at closing. Uses and sources reconcile at $593,698.57 each. Not a Closing Disclosure.