Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$131,098Cash toward the purchase price.
Closing costs + prepaids$12,763Not just lender fees.
Before credits & paid funds$143,861The complete starting cash picture.
Estimated remaining funds due at closing
$143,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,097.55
Your down payment$131,097.55
Closing costs + prepaids$12,763.35
Total buyer cash needed$143,860.90
Remaining funds due$143,860.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,030.00
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)$603.50
Initial HOA (3 months)$200.01
Prepaid interest, first (12 days)$454.84
Fees + prepaids$12,763.35
Your down payment is the seller’s equity. You take over the $371,902 balance, so the rest of the $503,000 price is paid at closing. A second mortgage can cover part of it. $143,860.90 is due at closing. Uses and sources reconcile at $515,763.35 each. Not a Closing Disclosure.