Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$124,636Cash toward the purchase price.
Closing costs + prepaids$13,727Not just lender fees.
Before credits & paid funds$138,363The complete starting cash picture.
Estimated remaining funds due at closing
$138,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,635.74
Your down payment$124,635.74
Closing costs + prepaids$13,726.99
Total buyer cash needed$138,362.74
Remaining funds due$138,362.74
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)$1,613.25
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$738.74
Fees + prepaids$13,726.99
Your down payment is the seller’s equity. You take over the $350,364 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $138,362.74 is due at closing. Uses and sources reconcile at $488,726.99 each. Not a Closing Disclosure.