Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$135,197Cash toward the purchase price.
Closing costs + prepaids$12,696Not just lender fees.
Before credits & paid funds$147,893The complete starting cash picture.
Estimated remaining funds due at closing
$147,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,197.16
Your down payment$135,197.16
Closing costs + prepaids$12,695.68
Total buyer cash needed$147,892.85
Remaining funds due$147,892.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,973.70
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)$596.75
Initial HOA (3 months)$360.00
Prepaid interest, first (9 days)$290.23
Fees + prepaids$12,695.68
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $497,370 price is paid at closing. A second mortgage can cover part of it. $147,892.85 is due at closing. Uses and sources reconcile at $510,065.68 each. Not a Closing Disclosure.