Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$105,671Cash toward the purchase price.
Closing costs + prepaids$13,124Not just lender fees.
Before credits & paid funds$118,795The complete starting cash picture.
Estimated remaining funds due at closing
$118,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,671.40
Your down payment$105,671.40
Closing costs + prepaids$13,123.55
Total buyer cash needed$118,794.95
Remaining funds due$118,794.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$598.75
Initial HOA (3 months)$285.00
Prepaid interest, first (10 days)$774.80
Fees + prepaids$13,123.55
Your down payment is the seller’s equity. You take over the $393,329 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $118,794.95 is due at closing. Uses and sources reconcile at $512,123.55 each. Not a Closing Disclosure.