Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$120,744Cash toward the purchase price.
Closing costs + prepaids$12,767Not just lender fees.
Before credits & paid funds$133,511The complete starting cash picture.
Estimated remaining funds due at closing
$133,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,743.95
Your down payment$120,743.95
Closing costs + prepaids$12,766.89
Total buyer cash needed$133,510.85
Remaining funds due$133,510.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,170.00
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)$903.75
Initial HOA (3 months)$68.76
Prepaid interest, first (2 days)$149.38
Fees + prepaids$12,766.89
Your down payment is the seller’s equity. You take over the $396,256 balance, so the rest of the $517,000 price is paid at closing. A second mortgage can cover part of it. $133,510.85 is due at closing. Uses and sources reconcile at $529,766.89 each. Not a Closing Disclosure.