Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$132,922Cash toward the purchase price.
Closing costs + prepaids$12,522Not just lender fees.
Before credits & paid funds$145,444The complete starting cash picture.
Estimated remaining funds due at closing
$145,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,922.16
Your down payment$132,922.16
Closing costs + prepaids$12,521.92
Total buyer cash needed$145,444.08
Remaining funds due$145,444.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.95
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)$91.00
Initial HOA (3 months)$360.00
Prepaid interest, first (20 days)$644.97
Fees + prepaids$12,521.92
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $495,095 price is paid at closing. A second mortgage can cover part of it. $145,444.08 is due at closing. Uses and sources reconcile at $507,616.92 each. Not a Closing Disclosure.