Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$140,686Cash toward the purchase price.
Closing costs + prepaids$13,925Not just lender fees.
Before credits & paid funds$154,611The complete starting cash picture.
Estimated remaining funds due at closing
$154,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,685.82
Your down payment$140,685.82
Closing costs + prepaids$13,925.20
Total buyer cash needed$154,611.01
Remaining funds due$154,611.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$598.75
Initial HOA (3 months)$1,521.00
Prepaid interest, first (12 days)$340.45
Fees + prepaids$13,925.20
Your down payment is the seller’s equity. You take over the $358,314 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $154,611.01 is due at closing. Uses and sources reconcile at $512,925.20 each. Not a Closing Disclosure.