Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$116,269Cash toward the purchase price.
Closing costs + prepaids$13,638Not just lender fees.
Before credits & paid funds$129,907The complete starting cash picture.
Estimated remaining funds due at closing
$129,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,268.64
Your down payment$116,268.64
Closing costs + prepaids$13,638.47
Total buyer cash needed$129,907.11
Remaining funds due$129,907.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$580.50
Initial HOA (3 months)$63.00
Prepaid interest, first (29 days)$1,520.97
Fees + prepaids$13,638.47
Your down payment is the seller’s equity. You take over the $383,631 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $129,907.11 is due at closing. Uses and sources reconcile at $513,538.47 each. Not a Closing Disclosure.