Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$106,539Cash toward the purchase price.
Closing costs + prepaids$14,359Not just lender fees.
Before credits & paid funds$120,898The complete starting cash picture.
Estimated remaining funds due at closing
$120,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,539.40
Your down payment$106,539.40
Closing costs + prepaids$14,358.81
Total buyer cash needed$120,898.22
Remaining funds due$120,898.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,399.99
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)$1,350.00
Initial HOA (3 months)$246.00
Prepaid interest, first (28 days)$887.82
Fees + prepaids$14,358.81
Your down payment is the seller’s equity. You take over the $433,460 balance, so the rest of the $539,999 price is paid at closing. A second mortgage can cover part of it. $120,898.22 is due at closing. Uses and sources reconcile at $554,357.81 each. Not a Closing Disclosure.