Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$114,531Cash toward the purchase price.
Closing costs + prepaids$16,404Not just lender fees.
Before credits & paid funds$130,935The complete starting cash picture.
Estimated remaining funds due at closing
$130,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,530.63
Your down payment$114,530.63
Closing costs + prepaids$16,403.90
Total buyer cash needed$130,934.54
Remaining funds due$130,934.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.50
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)$3,032.75
Prepaid interest, first (25 days)$1,696.65
Fees + prepaids$16,403.90
Your down payment is the seller’s equity. You take over the $405,419 balance, so the rest of the $519,950 price is paid at closing. A second mortgage can cover part of it. $130,934.54 is due at closing. Uses and sources reconcile at $536,353.90 each. Not a Closing Disclosure.