Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$126,716Cash toward the purchase price.
Closing costs + prepaids$13,875Not just lender fees.
Before credits & paid funds$140,591The complete starting cash picture.
Estimated remaining funds due at closing
$140,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,715.80
Your down payment$126,715.80
Closing costs + prepaids$13,875.38
Total buyer cash needed$140,591.18
Remaining funds due$140,591.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$507.25
Initial HOA (3 months)$212.49
Prepaid interest, first (28 days)$1,780.74
Fees + prepaids$13,875.38
Your down payment is the seller’s equity. You take over the $363,274 balance, so the rest of the $489,990 price is paid at closing. A second mortgage can cover part of it. $140,591.18 is due at closing. Uses and sources reconcile at $503,865.38 each. Not a Closing Disclosure.