Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$117,709Cash toward the purchase price.
Closing costs + prepaids$14,912Not just lender fees.
Before credits & paid funds$132,621The complete starting cash picture.
Estimated remaining funds due at closing
$132,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,709.40
Your down payment$117,709.40
Closing costs + prepaids$14,911.63
Total buyer cash needed$132,621.03
Remaining funds due$132,621.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,060.00
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)$1,684.75
Initial HOA (3 months)$474.99
Prepaid interest, first (31 days)$1,216.89
Fees + prepaids$14,911.63
Your down payment is the seller’s equity. You take over the $388,291 balance, so the rest of the $506,000 price is paid at closing. A second mortgage can cover part of it. $132,621.03 is due at closing. Uses and sources reconcile at $520,911.63 each. Not a Closing Disclosure.