Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$134,393Cash toward the purchase price.
Closing costs + prepaids$13,948Not just lender fees.
Before credits & paid funds$148,341The complete starting cash picture.
Estimated remaining funds due at closing
$148,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,392.73
Your down payment$134,392.73
Closing costs + prepaids$13,948.16
Total buyer cash needed$148,340.89
Remaining funds due$148,340.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$696.00
Prepaid interest, first (12 days)$977.16
Fees + prepaids$13,948.16
Your down payment is the seller’s equity. You take over the $445,607 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $148,340.89 is due at closing. Uses and sources reconcile at $593,948.16 each. Not a Closing Disclosure.