Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$136,327Cash toward the purchase price.
Closing costs + prepaids$15,082Not just lender fees.
Before credits & paid funds$151,409The complete starting cash picture.
Estimated remaining funds due at closing
$151,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,326.61
Your down payment$136,326.61
Closing costs + prepaids$15,082.13
Total buyer cash needed$151,408.74
Remaining funds due$151,408.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,894.25
Initial HOA (3 months)$58.74
Prepaid interest, first (26 days)$1,704.14
Fees + prepaids$15,082.13
Your down payment is the seller’s equity. You take over the $358,673 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $151,408.74 is due at closing. Uses and sources reconcile at $510,082.13 each. Not a Closing Disclosure.