Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$121,121Cash toward the purchase price.
Closing costs + prepaids$16,685Not just lender fees.
Before credits & paid funds$137,805The complete starting cash picture.
Estimated remaining funds due at closing
$137,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,120.79
Your down payment$121,120.79
Closing costs + prepaids$16,684.61
Total buyer cash needed$137,805.40
Remaining funds due$137,805.40
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)$4,035.00
Prepaid interest, first (6 days)$406.61
Fees + prepaids$16,684.61
Your down payment is the seller’s equity. You take over the $393,879 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $137,805.40 is due at closing. Uses and sources reconcile at $531,684.61 each. Not a Closing Disclosure.