Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$130,188Cash toward the purchase price.
Closing costs + prepaids$12,717Not just lender fees.
Before credits & paid funds$142,904The complete starting cash picture.
Estimated remaining funds due at closing
$142,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,187.59
Your down payment$130,187.59
Closing costs + prepaids$12,716.71
Total buyer cash needed$142,904.30
Remaining funds due$142,904.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,382.00
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)$423.25
Initial HOA (3 months)$378.00
Prepaid interest, first (1 days)$58.46
Fees + prepaids$12,716.71
Your down payment is the seller’s equity. You take over the $408,012 balance, so the rest of the $538,200 price is paid at closing. A second mortgage can cover part of it. $142,904.30 is due at closing. Uses and sources reconcile at $550,916.71 each. Not a Closing Disclosure.