Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$100,831Cash toward the purchase price.
Closing costs + prepaids$13,669Not just lender fees.
Before credits & paid funds$114,500The complete starting cash picture.
Estimated remaining funds due at closing
$114,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,830.56
Your down payment$100,830.56
Closing costs + prepaids$13,668.97
Total buyer cash needed$114,499.53
Remaining funds due$114,499.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,940.10
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)$156.50
Initial HOA (3 months)$390.00
Prepaid interest, first (25 days)$1,707.37
Fees + prepaids$13,668.97
Your down payment is the seller’s equity. You take over the $393,179 balance, so the rest of the $494,010 price is paid at closing. A second mortgage can cover part of it. $114,499.53 is due at closing. Uses and sources reconcile at $507,678.97 each. Not a Closing Disclosure.