Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,876Cash toward the purchase price.
Closing costs + prepaids$15,240Not just lender fees.
Before credits & paid funds$141,116The complete starting cash picture.
Estimated remaining funds due at closing
$141,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,876.19
Your down payment$125,876.19
Closing costs + prepaids$15,239.87
Total buyer cash needed$141,116.05
Remaining funds due$141,116.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$1,750.50
Initial HOA (3 months)$135.24
Prepaid interest, first (27 days)$1,879.13
Fees + prepaids$15,239.87
Your down payment is the seller’s equity. You take over the $374,124 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $141,116.05 is due at closing. Uses and sources reconcile at $515,239.87 each. Not a Closing Disclosure.