Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$118,263Cash toward the purchase price.
Closing costs + prepaids$14,746Not just lender fees.
Before credits & paid funds$133,010The complete starting cash picture.
Estimated remaining funds due at closing
$133,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,263.44
Your down payment$118,263.44
Closing costs + prepaids$14,746.20
Total buyer cash needed$133,009.64
Remaining funds due$133,009.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.99
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)$505.00
Initial HOA (3 months)$180.99
Prepaid interest, first (31 days)$2,335.22
Fees + prepaids$14,746.20
Your down payment is the seller’s equity. You take over the $406,736 balance, so the rest of the $524,999 price is paid at closing. A second mortgage can cover part of it. $133,009.64 is due at closing. Uses and sources reconcile at $539,745.20 each. Not a Closing Disclosure.