Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$134,641Cash toward the purchase price.
Closing costs + prepaids$12,036Not just lender fees.
Before credits & paid funds$146,677The complete starting cash picture.
Estimated remaining funds due at closing
$146,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,640.87
Your down payment$134,640.87
Closing costs + prepaids$12,036.29
Total buyer cash needed$146,677.16
Remaining funds due$146,677.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,976.15
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)$25.50
Initial HOA (3 months)$495.00
Prepaid interest, first (2 days)$64.64
Fees + prepaids$12,036.29
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $497,615 price is paid at closing. A second mortgage can cover part of it. $146,677.16 is due at closing. Uses and sources reconcile at $509,651.29 each. Not a Closing Disclosure.