Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$101,485Cash toward the purchase price.
Closing costs + prepaids$14,369Not just lender fees.
Before credits & paid funds$115,853The complete starting cash picture.
Estimated remaining funds due at closing
$115,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,484.67
Your down payment$101,484.67
Closing costs + prepaids$14,368.57
Total buyer cash needed$115,853.25
Remaining funds due$115,853.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.90
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)$13.50
Initial HOA (3 months)$525.00
Prepaid interest, first (31 days)$2,255.17
Fees + prepaids$14,368.57
Your down payment is the seller’s equity. You take over the $408,505 balance, so the rest of the $509,990 price is paid at closing. A second mortgage can cover part of it. $115,853.25 is due at closing. Uses and sources reconcile at $524,358.57 each. Not a Closing Disclosure.