Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$104,225Cash toward the purchase price.
Closing costs + prepaids$14,587Not just lender fees.
Before credits & paid funds$118,811The complete starting cash picture.
Estimated remaining funds due at closing
$118,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,224.68
Your down payment$104,224.68
Closing costs + prepaids$14,586.78
Total buyer cash needed$118,811.45
Remaining funds due$118,811.45
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)$1,287.50
Prepaid interest, first (27 days)$1,674.28
Fees + prepaids$14,586.78
Your down payment is the seller’s equity. You take over the $410,775 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $118,811.45 is due at closing. Uses and sources reconcile at $529,586.78 each. Not a Closing Disclosure.