Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$116,527Cash toward the purchase price.
Closing costs + prepaids$17,079Not just lender fees.
Before credits & paid funds$133,605The complete starting cash picture.
Estimated remaining funds due at closing
$133,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,526.70
Your down payment$116,526.70
Closing costs + prepaids$17,078.77
Total buyer cash needed$133,605.47
Remaining funds due$133,605.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,099.00
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)$1,524.75
Initial HOA (3 months)$1,890.00
Prepaid interest, first (28 days)$1,090.02
Fees + prepaids$17,078.77
Your down payment is the seller’s equity. You take over the $493,373 balance, so the rest of the $609,900 price is paid at closing. A second mortgage can cover part of it. $133,605.47 is due at closing. Uses and sources reconcile at $626,978.77 each. Not a Closing Disclosure.