Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$111,925Cash toward the purchase price.
Closing costs + prepaids$13,569Not just lender fees.
Before credits & paid funds$125,494The complete starting cash picture.
Estimated remaining funds due at closing
$125,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,924.75
Your down payment$111,924.75
Closing costs + prepaids$13,569.46
Total buyer cash needed$125,494.21
Remaining funds due$125,494.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,900.00
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)$708.00
Prepaid interest, first (6 days)$486.46
Fees + prepaids$13,569.46
Your down payment is the seller’s equity. You take over the $478,075 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $125,494.21 is due at closing. Uses and sources reconcile at $603,569.46 each. Not a Closing Disclosure.