Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$117,867Cash toward the purchase price.
Closing costs + prepaids$12,486Not just lender fees.
Before credits & paid funds$130,354The complete starting cash picture.
Estimated remaining funds due at closing
$130,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,867.39
Your down payment$117,867.39
Closing costs + prepaids$12,486.38
Total buyer cash needed$130,353.77
Remaining funds due$130,353.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.99
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)$505.00
Initial HOA (3 months)$180.99
Prepaid interest, first (1 days)$75.40
Fees + prepaids$12,486.38
Your down payment is the seller’s equity. You take over the $407,132 balance, so the rest of the $524,999 price is paid at closing. A second mortgage can cover part of it. $130,353.77 is due at closing. Uses and sources reconcile at $537,485.38 each. Not a Closing Disclosure.