Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$117,362Cash toward the purchase price.
Closing costs + prepaids$13,567Not just lender fees.
Before credits & paid funds$130,929The complete starting cash picture.
Estimated remaining funds due at closing
$130,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,362.09
Your down payment$117,362.09
Closing costs + prepaids$13,566.81
Total buyer cash needed$130,928.90
Remaining funds due$130,928.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.90
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)$1,338.75
Initial HOA (3 months)$210.00
Prepaid interest, first (5 days)$293.16
Fees + prepaids$13,566.81
Your down payment is the seller’s equity. You take over the $407,628 balance, so the rest of the $524,990 price is paid at closing. A second mortgage can cover part of it. $130,928.90 is due at closing. Uses and sources reconcile at $538,556.81 each. Not a Closing Disclosure.