Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$119,788Cash toward the purchase price.
Closing costs + prepaids$12,976Not just lender fees.
Before credits & paid funds$132,764The complete starting cash picture.
Estimated remaining funds due at closing
$132,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,788.18
Your down payment$119,788.18
Closing costs + prepaids$12,976.04
Total buyer cash needed$132,764.21
Remaining funds due$132,764.21
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
Prepaid interest, first (10 days)$733.04
Fees + prepaids$12,976.04
Your down payment is the seller’s equity. You take over the $395,212 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $132,764.21 is due at closing. Uses and sources reconcile at $527,976.04 each. Not a Closing Disclosure.