Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$109,267Cash toward the purchase price.
Closing costs + prepaids$14,997Not just lender fees.
Before credits & paid funds$124,264The complete starting cash picture.
Estimated remaining funds due at closing
$124,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,267.26
Your down payment$109,267.26
Closing costs + prepaids$14,996.83
Total buyer cash needed$124,264.09
Remaining funds due$124,264.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$605.00
Initial HOA (3 months)$90.00
Prepaid interest, first (31 days)$2,476.83
Fees + prepaids$14,996.83
Your down payment is the seller’s equity. You take over the $425,733 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $124,264.09 is due at closing. Uses and sources reconcile at $549,996.83 each. Not a Closing Disclosure.