Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$125,955Cash toward the purchase price.
Closing costs + prepaids$13,077Not just lender fees.
Before credits & paid funds$139,031The complete starting cash picture.
Estimated remaining funds due at closing
$139,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,954.90
Your down payment$125,954.90
Closing costs + prepaids$13,076.54
Total buyer cash needed$139,031.43
Remaining funds due$139,031.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$618.00
Initial HOA (3 months)$210.00
Prepaid interest, first (9 days)$623.54
Fees + prepaids$13,076.54
Your down payment is the seller’s equity. You take over the $389,045 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $139,031.43 is due at closing. Uses and sources reconcile at $528,076.54 each. Not a Closing Disclosure.