Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$121,236Cash toward the purchase price.
Closing costs + prepaids$14,983Not just lender fees.
Before credits & paid funds$136,220The complete starting cash picture.
Estimated remaining funds due at closing
$136,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,236.37
Your down payment$121,236.37
Closing costs + prepaids$14,983.39
Total buyer cash needed$136,219.76
Remaining funds due$136,219.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,287.50
Initial HOA (3 months)$186.00
Prepaid interest, first (26 days)$1,884.89
Fees + prepaids$14,983.39
Your down payment is the seller’s equity. You take over the $393,764 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $136,219.76 is due at closing. Uses and sources reconcile at $529,983.39 each. Not a Closing Disclosure.