Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$119,882Cash toward the purchase price.
Closing costs + prepaids$15,592Not just lender fees.
Before credits & paid funds$135,474The complete starting cash picture.
Estimated remaining funds due at closing
$135,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,881.93
Your down payment$119,881.93
Closing costs + prepaids$15,591.96
Total buyer cash needed$135,473.89
Remaining funds due$135,473.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,295.00
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)$1,323.75
Initial HOA (3 months)$528.00
Prepaid interest, first (28 days)$1,970.21
Fees + prepaids$15,591.96
Your down payment is the seller’s equity. You take over the $409,618 balance, so the rest of the $529,500 price is paid at closing. A second mortgage can cover part of it. $135,473.89 is due at closing. Uses and sources reconcile at $545,091.96 each. Not a Closing Disclosure.