Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$122,706Cash toward the purchase price.
Closing costs + prepaids$16,673Not just lender fees.
Before credits & paid funds$139,379The complete starting cash picture.
Estimated remaining funds due at closing
$139,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,706.04
Your down payment$122,706.04
Closing costs + prepaids$16,673.40
Total buyer cash needed$139,379.43
Remaining funds due$139,379.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$2,118.25
Initial HOA (3 months)$627.00
Prepaid interest, first (30 days)$2,253.15
Fees + prepaids$16,673.40
Your down payment is the seller’s equity. You take over the $397,294 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $139,379.43 is due at closing. Uses and sources reconcile at $536,673.40 each. Not a Closing Disclosure.