Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$135,569Cash toward the purchase price.
Closing costs + prepaids$13,746Not just lender fees.
Before credits & paid funds$149,315The complete starting cash picture.
Estimated remaining funds due at closing
$149,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,569.45
Your down payment$135,569.45
Closing costs + prepaids$13,745.53
Total buyer cash needed$149,314.98
Remaining funds due$149,314.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,370.75
Initial HOA (3 months)$174.99
Prepaid interest, first (28 days)$774.79
Fees + prepaids$13,745.53
Your down payment is the seller’s equity. You take over the $359,431 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $149,314.98 is due at closing. Uses and sources reconcile at $508,745.53 each. Not a Closing Disclosure.