Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$129,302Cash toward the purchase price.
Closing costs + prepaids$14,060Not just lender fees.
Before credits & paid funds$143,361The complete starting cash picture.
Estimated remaining funds due at closing
$143,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,301.61
Your down payment$129,301.61
Closing costs + prepaids$14,059.50
Total buyer cash needed$143,361.11
Remaining funds due$143,361.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$1,964.50
Initial HOA (3 months)$249.99
Prepaid interest, first (1 days)$71.01
Fees + prepaids$14,059.50
Your down payment is the seller’s equity. You take over the $400,598 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $143,361.11 is due at closing. Uses and sources reconcile at $543,959.50 each. Not a Closing Disclosure.