Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$99,769Cash toward the purchase price.
Closing costs + prepaids$15,448Not just lender fees.
Before credits & paid funds$115,217The complete starting cash picture.
Estimated remaining funds due at closing
$115,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,769.17
Your down payment$99,769.17
Closing costs + prepaids$15,448.25
Total buyer cash needed$115,217.42
Remaining funds due$115,217.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,050.00
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)$1,262.50
Initial HOA (3 months)$1,656.00
Prepaid interest, first (25 days)$1,004.75
Fees + prepaids$15,448.25
Your down payment is the seller’s equity. You take over the $405,231 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $115,217.42 is due at closing. Uses and sources reconcile at $520,448.25 each. Not a Closing Disclosure.