Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$125,955Cash toward the purchase price.
Closing costs + prepaids$14,065Not just lender fees.
Before credits & paid funds$140,020The complete starting cash picture.
Estimated remaining funds due at closing
$140,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,954.90
Your down payment$125,954.90
Closing costs + prepaids$14,065.20
Total buyer cash needed$140,020.10
Remaining funds due$140,020.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$706.00
Initial HOA (3 months)$210.00
Prepaid interest, first (22 days)$1,524.20
Fees + prepaids$14,065.20
Your down payment is the seller’s equity. You take over the $389,045 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $140,020.10 is due at closing. Uses and sources reconcile at $529,065.20 each. Not a Closing Disclosure.