Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$125,724Cash toward the purchase price.
Closing costs + prepaids$15,213Not just lender fees.
Before credits & paid funds$140,937The complete starting cash picture.
Estimated remaining funds due at closing
$140,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,723.83
Your down payment$125,723.83
Closing costs + prepaids$15,212.70
Total buyer cash needed$140,936.54
Remaining funds due$140,936.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.00
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)$1,274.75
Initial HOA (3 months)$672.00
Prepaid interest, first (25 days)$1,691.95
Fees + prepaids$15,212.70
Your down payment is the seller’s equity. You take over the $384,176 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $140,936.54 is due at closing. Uses and sources reconcile at $525,112.70 each. Not a Closing Disclosure.