Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$125,259Cash toward the purchase price.
Closing costs + prepaids$13,070Not just lender fees.
Before credits & paid funds$138,329The complete starting cash picture.
Estimated remaining funds due at closing
$138,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,259.47
Your down payment$125,259.47
Closing costs + prepaids$13,069.79
Total buyer cash needed$138,329.26
Remaining funds due$138,329.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.90
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)$22.50
Initial HOA (3 months)$171.00
Prepaid interest, first (26 days)$1,401.39
Fees + prepaids$13,069.79
Your down payment is the seller’s equity. You take over the $374,731 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $138,329.26 is due at closing. Uses and sources reconcile at $513,059.79 each. Not a Closing Disclosure.