Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$126,756Cash toward the purchase price.
Closing costs + prepaids$11,884Not just lender fees.
Before credits & paid funds$138,639The complete starting cash picture.
Estimated remaining funds due at closing
$138,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,755.81
Your down payment$126,755.81
Closing costs + prepaids$11,883.57
Total buyer cash needed$138,639.37
Remaining funds due$138,639.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$385.50
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$63.07
Fees + prepaids$11,883.57
Your down payment is the seller’s equity. You take over the $348,244 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $138,639.37 is due at closing. Uses and sources reconcile at $486,883.57 each. Not a Closing Disclosure.