Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$117,043Cash toward the purchase price.
Closing costs + prepaids$15,025Not just lender fees.
Before credits & paid funds$132,068The complete starting cash picture.
Estimated remaining funds due at closing
$132,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,043.12
Your down payment$117,043.12
Closing costs + prepaids$15,024.52
Total buyer cash needed$132,067.64
Remaining funds due$132,067.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,380.00
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)$912.00
Initial HOA (3 months)$182.49
Prepaid interest, first (26 days)$2,075.03
Fees + prepaids$15,024.52
Your down payment is the seller’s equity. You take over the $420,957 balance, so the rest of the $538,000 price is paid at closing. A second mortgage can cover part of it. $132,067.64 is due at closing. Uses and sources reconcile at $553,024.52 each. Not a Closing Disclosure.