Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$130,508Cash toward the purchase price.
Closing costs + prepaids$13,923Not just lender fees.
Before credits & paid funds$144,431The complete starting cash picture.
Estimated remaining funds due at closing
$144,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,508.41
Your down payment$130,508.41
Closing costs + prepaids$13,922.58
Total buyer cash needed$144,430.99
Remaining funds due$144,430.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$1,249.75
Initial HOA (3 months)$288.00
Prepaid interest, first (18 days)$910.83
Fees + prepaids$13,922.58
Your down payment is the seller’s equity. You take over the $369,392 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $144,430.99 is due at closing. Uses and sources reconcile at $513,822.58 each. Not a Closing Disclosure.