Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$122,112Cash toward the purchase price.
Closing costs + prepaids$12,386Not just lender fees.
Before credits & paid funds$134,498The complete starting cash picture.
Estimated remaining funds due at closing
$134,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,112.18
Your down payment$122,112.18
Closing costs + prepaids$12,385.92
Total buyer cash needed$134,498.10
Remaining funds due$134,498.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$544.00
Prepaid interest, first (2 days)$76.92
Fees + prepaids$12,385.92
Your down payment is the seller’s equity. You take over the $406,888 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $134,498.10 is due at closing. Uses and sources reconcile at $541,385.92 each. Not a Closing Disclosure.