Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$105,271Cash toward the purchase price.
Closing costs + prepaids$12,537Not just lender fees.
Before credits & paid funds$117,808The complete starting cash picture.
Estimated remaining funds due at closing
$117,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,270.62
Your down payment$105,270.62
Closing costs + prepaids$12,537.37
Total buyer cash needed$117,807.99
Remaining funds due$117,807.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$632.25
Initial HOA (3 months)$285.00
Prepaid interest, first (2 days)$155.12
Fees + prepaids$12,537.37
Your down payment is the seller’s equity. You take over the $393,729 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $117,807.99 is due at closing. Uses and sources reconcile at $511,537.37 each. Not a Closing Disclosure.