Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$141,771Cash toward the purchase price.
Closing costs + prepaids$13,116Not just lender fees.
Before credits & paid funds$154,886The complete starting cash picture.
Estimated remaining funds due at closing
$154,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,770.77
Your down payment$141,770.77
Closing costs + prepaids$13,115.60
Total buyer cash needed$154,886.37
Remaining funds due$154,886.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,695.00
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)$627.25
Initial HOA (3 months)$243.00
Prepaid interest, first (1 days)$75.35
Fees + prepaids$13,115.60
Your down payment is the seller’s equity. You take over the $427,729 balance, so the rest of the $569,500 price is paid at closing. A second mortgage can cover part of it. $154,886.37 is due at closing. Uses and sources reconcile at $582,615.60 each. Not a Closing Disclosure.