Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$130,815Cash toward the purchase price.
Closing costs + prepaids$14,118Not just lender fees.
Before credits & paid funds$144,933The complete starting cash picture.
Estimated remaining funds due at closing
$144,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,815.15
Your down payment$130,815.15
Closing costs + prepaids$14,117.58
Total buyer cash needed$144,932.74
Remaining funds due$144,932.74
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 (25 days)$1,459.33
Fees + prepaids$14,117.58
Your down payment is the seller’s equity. You take over the $407,385 balance, so the rest of the $538,200 price is paid at closing. A second mortgage can cover part of it. $144,932.74 is due at closing. Uses and sources reconcile at $552,317.58 each. Not a Closing Disclosure.