Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$116,059Cash toward the purchase price.
Closing costs + prepaids$15,124Not just lender fees.
Before credits & paid funds$131,183The complete starting cash picture.
Estimated remaining funds due at closing
$131,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,059.08
Your down payment$116,059.08
Closing costs + prepaids$15,123.91
Total buyer cash needed$131,182.99
Remaining funds due$131,182.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,248.88
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)$1,312.25
Initial HOA (3 months)$1,185.00
Prepaid interest, first (26 days)$902.78
Fees + prepaids$15,123.91
Your down payment is the seller’s equity. You take over the $408,829 balance, so the rest of the $524,888 price is paid at closing. A second mortgage can cover part of it. $131,182.99 is due at closing. Uses and sources reconcile at $540,011.91 each. Not a Closing Disclosure.