Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$132,719Cash toward the purchase price.
Closing costs + prepaids$15,632Not just lender fees.
Before credits & paid funds$148,350The complete starting cash picture.
Estimated remaining funds due at closing
$148,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,718.56
Your down payment$132,718.56
Closing costs + prepaids$15,631.86
Total buyer cash needed$148,350.42
Remaining funds due$148,350.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,353.00
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)$1,847.50
Initial HOA (3 months)$426.00
Prepaid interest, first (25 days)$1,530.36
Fees + prepaids$15,631.86
Your down payment is the seller’s equity. You take over the $402,581 balance, so the rest of the $535,300 price is paid at closing. A second mortgage can cover part of it. $148,350.42 is due at closing. Uses and sources reconcile at $550,931.86 each. Not a Closing Disclosure.