Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$106,179Cash toward the purchase price.
Closing costs + prepaids$14,999Not just lender fees.
Before credits & paid funds$121,178The complete starting cash picture.
Estimated remaining funds due at closing
$121,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,179.29
Your down payment$106,179.29
Closing costs + prepaids$14,998.95
Total buyer cash needed$121,178.23
Remaining funds due$121,178.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,043.00
Initial HOA (3 months)$147.51
Prepaid interest, first (27 days)$2,183.44
Fees + prepaids$14,998.95
Your down payment is the seller’s equity. You take over the $408,821 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $121,178.23 is due at closing. Uses and sources reconcile at $529,998.95 each. Not a Closing Disclosure.