Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$127,526Cash toward the purchase price.
Closing costs + prepaids$13,525Not just lender fees.
Before credits & paid funds$141,051The complete starting cash picture.
Estimated remaining funds due at closing
$141,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,526.49
Your down payment$127,526.49
Closing costs + prepaids$13,524.82
Total buyer cash needed$141,051.31
Remaining funds due$141,051.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,016.25
Initial HOA (3 months)$345.00
Prepaid interest, first (22 days)$698.57
Fees + prepaids$13,524.82
Your down payment is the seller’s equity. You take over the $371,474 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $141,051.31 is due at closing. Uses and sources reconcile at $512,524.82 each. Not a Closing Disclosure.