Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$120,037Cash toward the purchase price.
Closing costs + prepaids$14,667Not just lender fees.
Before credits & paid funds$134,704The complete starting cash picture.
Estimated remaining funds due at closing
$134,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,036.95
Your down payment$120,036.95
Closing costs + prepaids$14,667.40
Total buyer cash needed$134,704.34
Remaining funds due$134,704.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$589.75
Initial HOA (3 months)$288.00
Prepaid interest, first (26 days)$2,024.65
Fees + prepaids$14,667.40
Your down payment is the seller’s equity. You take over the $408,963 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $134,704.34 is due at closing. Uses and sources reconcile at $543,667.40 each. Not a Closing Disclosure.