Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$107,521Cash toward the purchase price.
Closing costs + prepaids$14,537Not just lender fees.
Before credits & paid funds$122,058The complete starting cash picture.
Estimated remaining funds due at closing
$122,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,520.82
Your down payment$107,520.82
Closing costs + prepaids$14,537.19
Total buyer cash needed$122,058.01
Remaining funds due$122,058.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.00
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)$646.50
Initial HOA (3 months)$99.99
Prepaid interest, first (27 days)$2,166.70
Fees + prepaids$14,537.19
Your down payment is the seller’s equity. You take over the $407,379 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $122,058.01 is due at closing. Uses and sources reconcile at $529,437.19 each. Not a Closing Disclosure.