Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$120,932Cash toward the purchase price.
Closing costs + prepaids$14,103Not just lender fees.
Before credits & paid funds$135,035The complete starting cash picture.
Estimated remaining funds due at closing
$135,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,931.92
Your down payment$120,931.92
Closing costs + prepaids$14,103.12
Total buyer cash needed$135,035.05
Remaining funds due$135,035.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$668.25
Prepaid interest, first (23 days)$1,609.87
Fees + prepaids$14,103.12
Your down payment is the seller’s equity. You take over the $414,068 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $135,035.05 is due at closing. Uses and sources reconcile at $549,103.12 each. Not a Closing Disclosure.