Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$116,147Cash toward the purchase price.
Closing costs + prepaids$13,174Not just lender fees.
Before credits & paid funds$129,321The complete starting cash picture.
Estimated remaining funds due at closing
$129,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,147.15
Your down payment$116,147.15
Closing costs + prepaids$13,173.65
Total buyer cash needed$129,320.79
Remaining funds due$129,320.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,120.00
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)$614.50
Initial HOA (3 months)$68.76
Prepaid interest, first (12 days)$895.39
Fees + prepaids$13,173.65
Your down payment is the seller’s equity. You take over the $395,853 balance, so the rest of the $512,000 price is paid at closing. A second mortgage can cover part of it. $129,320.79 is due at closing. Uses and sources reconcile at $525,173.65 each. Not a Closing Disclosure.