Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$130,383Cash toward the purchase price.
Closing costs + prepaids$14,713Not just lender fees.
Before credits & paid funds$145,097The complete starting cash picture.
Estimated remaining funds due at closing
$145,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,383.18
Your down payment$130,383.18
Closing costs + prepaids$14,713.40
Total buyer cash needed$145,096.57
Remaining funds due$145,096.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$1,267.00
Initial HOA (3 months)$225.00
Prepaid interest, first (29 days)$1,547.40
Fees + prepaids$14,713.40
Your down payment is the seller’s equity. You take over the $389,517 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $145,096.57 is due at closing. Uses and sources reconcile at $534,613.40 each. Not a Closing Disclosure.