Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$114,627Cash toward the purchase price.
Closing costs + prepaids$13,717Not just lender fees.
Before credits & paid funds$128,344The complete starting cash picture.
Estimated remaining funds due at closing
$128,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,626.99
Your down payment$114,626.99
Closing costs + prepaids$13,717.26
Total buyer cash needed$128,344.25
Remaining funds due$128,344.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,040.00
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)$630.00
Initial HOA (3 months)$330.00
Prepaid interest, first (17 days)$1,242.26
Fees + prepaids$13,717.26
Your down payment is the seller’s equity. You take over the $389,373 balance, so the rest of the $504,000 price is paid at closing. A second mortgage can cover part of it. $128,344.25 is due at closing. Uses and sources reconcile at $517,717.26 each. Not a Closing Disclosure.