Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$128,560Cash toward the purchase price.
Closing costs + prepaids$13,508Not just lender fees.
Before credits & paid funds$142,068The complete starting cash picture.
Estimated remaining funds due at closing
$142,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,560.07
Your down payment$128,560.07
Closing costs + prepaids$13,507.57
Total buyer cash needed$142,067.64
Remaining funds due$142,067.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$370.25
Initial HOA (3 months)$1,110.00
Prepaid interest, first (1 days)$62.32
Fees + prepaids$13,507.57
Your down payment is the seller’s equity. You take over the $420,440 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $142,067.64 is due at closing. Uses and sources reconcile at $562,507.57 each. Not a Closing Disclosure.