Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$114,483Cash toward the purchase price.
Closing costs + prepaids$14,622Not just lender fees.
Before credits & paid funds$129,104The complete starting cash picture.
Estimated remaining funds due at closing
$129,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,482.67
Your down payment$114,482.67
Closing costs + prepaids$14,621.60
Total buyer cash needed$129,104.27
Remaining funds due$129,104.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$1,359.25
Prepaid interest, first (22 days)$1,588.35
Fees + prepaids$14,621.60
Your down payment is the seller’s equity. You take over the $405,417 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $129,104.27 is due at closing. Uses and sources reconcile at $534,521.60 each. Not a Closing Disclosure.