Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$105,970Cash toward the purchase price.
Closing costs + prepaids$14,766Not just lender fees.
Before credits & paid funds$120,736The complete starting cash picture.
Estimated remaining funds due at closing
$120,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,970.31
Your down payment$105,970.31
Closing costs + prepaids$14,765.56
Total buyer cash needed$120,735.88
Remaining funds due$120,735.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,049.99
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)$1,056.25
Initial HOA (3 months)$105.00
Prepaid interest, first (30 days)$2,079.32
Fees + prepaids$14,765.56
Your down payment is the seller’s equity. You take over the $399,029 balance, so the rest of the $504,999 price is paid at closing. A second mortgage can cover part of it. $120,735.88 is due at closing. Uses and sources reconcile at $519,764.56 each. Not a Closing Disclosure.