Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$119,166Cash toward the purchase price.
Closing costs + prepaids$13,590Not just lender fees.
Before credits & paid funds$132,755The complete starting cash picture.
Estimated remaining funds due at closing
$132,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,165.51
Your down payment$119,165.51
Closing costs + prepaids$13,589.65
Total buyer cash needed$132,755.16
Remaining funds due$132,755.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,889.00
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)$1,810.25
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$70.40
Fees + prepaids$13,589.65
Your down payment is the seller’s equity. You take over the $369,734 balance, so the rest of the $488,900 price is paid at closing. A second mortgage can cover part of it. $132,755.16 is due at closing. Uses and sources reconcile at $502,489.65 each. Not a Closing Disclosure.