Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$126,384Cash toward the purchase price.
Closing costs + prepaids$14,219Not just lender fees.
Before credits & paid funds$140,602The complete starting cash picture.
Estimated remaining funds due at closing
$140,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,383.70
Your down payment$126,383.70
Closing costs + prepaids$14,218.64
Total buyer cash needed$140,602.34
Remaining funds due$140,602.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$1,297.50
Initial HOA (3 months)$330.00
Prepaid interest, first (30 days)$926.14
Fees + prepaids$14,218.64
Your down payment is the seller’s equity. You take over the $392,616 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $140,602.34 is due at closing. Uses and sources reconcile at $533,218.64 each. Not a Closing Disclosure.