Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$116,181Cash toward the purchase price.
Closing costs + prepaids$14,458Not just lender fees.
Before credits & paid funds$130,639The complete starting cash picture.
Estimated remaining funds due at closing
$130,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,181.18
Your down payment$116,181.18
Closing costs + prepaids$14,457.93
Total buyer cash needed$130,639.10
Remaining funds due$130,639.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,090.00
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)$744.50
Initial HOA (3 months)$126.00
Prepaid interest, first (27 days)$2,022.43
Fees + prepaids$14,457.93
Your down payment is the seller’s equity. You take over the $392,819 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $130,639.10 is due at closing. Uses and sources reconcile at $523,457.93 each. Not a Closing Disclosure.