Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$121,808Cash toward the purchase price.
Closing costs + prepaids$13,117Not just lender fees.
Before credits & paid funds$134,925The complete starting cash picture.
Estimated remaining funds due at closing
$134,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,807.69
Your down payment$121,807.69
Closing costs + prepaids$13,117.05
Total buyer cash needed$134,924.74
Remaining funds due$134,924.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.90
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)$1,275.00
Initial HOA (3 months)$123.00
Prepaid interest, first (4 days)$244.15
Fees + prepaids$13,117.05
Your down payment is the seller’s equity. You take over the $378,182 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $134,924.74 is due at closing. Uses and sources reconcile at $513,107.05 each. Not a Closing Disclosure.