Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$116,817Cash toward the purchase price.
Closing costs + prepaids$12,788Not just lender fees.
Before credits & paid funds$129,606The complete starting cash picture.
Estimated remaining funds due at closing
$129,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,817.16
Your down payment$116,817.16
Closing costs + prepaids$12,788.36
Total buyer cash needed$129,605.52
Remaining funds due$129,605.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,789.90
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)$162.25
Initial HOA (3 months)$555.00
Prepaid interest, first (25 days)$806.21
Fees + prepaids$12,788.36
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $478,990 price is paid at closing. A second mortgage can cover part of it. $129,605.52 is due at closing. Uses and sources reconcile at $491,778.36 each. Not a Closing Disclosure.