Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$117,043Cash toward the purchase price.
Closing costs + prepaids$13,641Not just lender fees.
Before credits & paid funds$130,684The complete starting cash picture.
Estimated remaining funds due at closing
$130,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,043.12
Your down payment$117,043.12
Closing costs + prepaids$13,640.70
Total buyer cash needed$130,683.82
Remaining funds due$130,683.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,380.00
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)$645.50
Initial HOA (3 months)$182.49
Prepaid interest, first (12 days)$957.71
Fees + prepaids$13,640.70
Your down payment is the seller’s equity. You take over the $420,957 balance, so the rest of the $538,000 price is paid at closing. A second mortgage can cover part of it. $130,683.82 is due at closing. Uses and sources reconcile at $551,640.70 each. Not a Closing Disclosure.