Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$101,807Cash toward the purchase price.
Closing costs + prepaids$15,514Not just lender fees.
Before credits & paid funds$117,321The complete starting cash picture.
Estimated remaining funds due at closing
$117,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,807.14
Your down payment$101,807.14
Closing costs + prepaids$15,513.56
Total buyer cash needed$117,320.70
Remaining funds due$117,320.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,844.00
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)$473.00
Prepaid interest, first (31 days)$2,721.56
Fees + prepaids$15,513.56
Your down payment is the seller’s equity. You take over the $482,593 balance, so the rest of the $584,400 price is paid at closing. A second mortgage can cover part of it. $117,320.70 is due at closing. Uses and sources reconcile at $599,913.56 each. Not a Closing Disclosure.