Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$123,235Cash toward the purchase price.
Closing costs + prepaids$15,110Not just lender fees.
Before credits & paid funds$138,345The complete starting cash picture.
Estimated remaining funds due at closing
$138,345No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,235.28
Your down payment$123,235.28
Closing costs + prepaids$15,109.95
Total buyer cash needed$138,345.23
Remaining funds due$138,345.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,590.00
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)$499.50
Initial HOA (3 months)$260.01
Prepaid interest, first (27 days)$2,285.44
Fees + prepaids$15,109.95
Your down payment is the seller’s equity. You take over the $435,765 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $138,345.23 is due at closing. Uses and sources reconcile at $574,109.95 each. Not a Closing Disclosure.