Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$129,416Cash toward the purchase price.
Closing costs + prepaids$12,750Not just lender fees.
Before credits & paid funds$142,166The complete starting cash picture.
Estimated remaining funds due at closing
$142,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,416.48
Your down payment$129,416.48
Closing costs + prepaids$12,749.56
Total buyer cash needed$142,166.04
Remaining funds due$142,166.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,698.50
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)$409.50
Initial HOA (3 months)$84.99
Prepaid interest, first (1 days)$81.57
Fees + prepaids$12,749.56
Your down payment is the seller’s equity. You take over the $440,434 balance, so the rest of the $569,850 price is paid at closing. A second mortgage can cover part of it. $142,166.04 is due at closing. Uses and sources reconcile at $582,599.56 each. Not a Closing Disclosure.