Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$131,493Cash toward the purchase price.
Closing costs + prepaids$13,607Not just lender fees.
Before credits & paid funds$145,100The complete starting cash picture.
Estimated remaining funds due at closing
$145,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,492.97
Your down payment$131,492.97
Closing costs + prepaids$13,607.18
Total buyer cash needed$145,100.14
Remaining funds due$145,100.14
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)$582.00
Initial HOA (3 months)$288.00
Prepaid interest, first (19 days)$1,272.18
Fees + prepaids$13,607.18
Your down payment is the seller’s equity. You take over the $367,507 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $145,100.14 is due at closing. Uses and sources reconcile at $512,607.18 each. Not a Closing Disclosure.