Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$124,316Cash toward the purchase price.
Closing costs + prepaids$13,424Not just lender fees.
Before credits & paid funds$137,740The complete starting cash picture.
Estimated remaining funds due at closing
$137,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,315.53
Your down payment$124,315.53
Closing costs + prepaids$13,424.33
Total buyer cash needed$137,739.87
Remaining funds due$137,739.87
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)$1,172.25
Initial HOA (3 months)$255.00
Prepaid interest, first (28 days)$772.08
Fees + prepaids$13,424.33
Your down payment is the seller’s equity. You take over the $350,684 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $137,739.87 is due at closing. Uses and sources reconcile at $488,424.33 each. Not a Closing Disclosure.