Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$108,365Cash toward the purchase price.
Closing costs + prepaids$14,880Not just lender fees.
Before credits & paid funds$123,245The complete starting cash picture.
Estimated remaining funds due at closing
$123,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,365.14
Your down payment$108,365.14
Closing costs + prepaids$14,880.18
Total buyer cash needed$123,245.32
Remaining funds due$123,245.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$1,229.75
Initial HOA (3 months)$177.99
Prepaid interest, first (27 days)$1,998.44
Fees + prepaids$14,880.18
Your down payment is the seller’s equity. You take over the $391,535 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $123,245.32 is due at closing. Uses and sources reconcile at $514,780.18 each. Not a Closing Disclosure.