Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$139,062Cash toward the purchase price.
Closing costs + prepaids$12,905Not just lender fees.
Before credits & paid funds$151,967The complete starting cash picture.
Estimated remaining funds due at closing
$151,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,061.70
Your down payment$139,061.70
Closing costs + prepaids$12,904.93
Total buyer cash needed$151,966.63
Remaining funds due$151,966.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$624.00
Initial HOA (3 months)$120.00
Prepaid interest, first (6 days)$485.93
Fees + prepaids$12,904.93
Your down payment is the seller’s equity. You take over the $380,938 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $151,966.63 is due at closing. Uses and sources reconcile at $532,904.93 each. Not a Closing Disclosure.