Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$103,723Cash toward the purchase price.
Closing costs + prepaids$14,099Not just lender fees.
Before credits & paid funds$117,821The complete starting cash picture.
Estimated remaining funds due at closing
$117,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,722.73
Your down payment$103,722.73
Closing costs + prepaids$14,098.65
Total buyer cash needed$117,821.38
Remaining funds due$117,821.38
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)$431.50
Initial HOA (3 months)$87.51
Prepaid interest, first (27 days)$1,905.64
Fees + prepaids$14,098.65
Your down payment is the seller’s equity. You take over the $416,177 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $117,821.38 is due at closing. Uses and sources reconcile at $533,998.65 each. Not a Closing Disclosure.