Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$121,004Cash toward the purchase price.
Closing costs + prepaids$13,810Not just lender fees.
Before credits & paid funds$134,813The complete starting cash picture.
Estimated remaining funds due at closing
$134,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,003.65
Your down payment$121,003.65
Closing costs + prepaids$13,809.77
Total buyer cash needed$134,813.43
Remaining funds due$134,813.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$703.25
Initial HOA (3 months)$24.99
Prepaid interest, first (24 days)$1,506.53
Fees + prepaids$13,809.77
Your down payment is the seller’s equity. You take over the $388,996 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $134,813.43 is due at closing. Uses and sources reconcile at $523,809.77 each. Not a Closing Disclosure.