Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$121,808Cash toward the purchase price.
Closing costs + prepaids$13,541Not just lender fees.
Before credits & paid funds$135,349The complete starting cash picture.
Estimated remaining funds due at closing
$135,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,807.69
Your down payment$121,807.69
Closing costs + prepaids$13,540.84
Total buyer cash needed$135,348.53
Remaining funds due$135,348.53
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
Initial HOA (3 months)$540.00
Prepaid interest, first (25 days)$1,525.94
Fees + prepaids$13,540.84
Your down payment is the seller’s equity. You take over the $378,182 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $135,348.53 is due at closing. Uses and sources reconcile at $513,530.84 each. Not a Closing Disclosure.