Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$103,179Cash toward the purchase price.
Closing costs + prepaids$12,459Not just lender fees.
Before credits & paid funds$115,637The complete starting cash picture.
Estimated remaining funds due at closing
$115,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,178.58
Your down payment$103,178.58
Closing costs + prepaids$12,458.76
Total buyer cash needed$115,637.34
Remaining funds due$115,637.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$603.25
Initial HOA (3 months)$309.99
Prepaid interest, first (1 days)$71.52
Fees + prepaids$12,458.76
Your down payment is the seller’s equity. You take over the $396,721 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $115,637.34 is due at closing. Uses and sources reconcile at $512,358.76 each. Not a Closing Disclosure.