Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$122,366Cash toward the purchase price.
Closing costs + prepaids$13,458Not just lender fees.
Before credits & paid funds$135,824The complete starting cash picture.
Estimated remaining funds due at closing
$135,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,366.34
Your down payment$122,366.34
Closing costs + prepaids$13,457.75
Total buyer cash needed$135,824.09
Remaining funds due$135,824.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$650.00
Initial HOA (3 months)$207.99
Prepaid interest, first (17 days)$925.76
Fees + prepaids$13,457.75
Your down payment is the seller’s equity. You take over the $397,534 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $135,824.09 is due at closing. Uses and sources reconcile at $533,357.75 each. Not a Closing Disclosure.