Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$106,633Cash toward the purchase price.
Closing costs + prepaids$14,517Not just lender fees.
Before credits & paid funds$121,150The complete starting cash picture.
Estimated remaining funds due at closing
$121,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,633.35
Your down payment$106,633.35
Closing costs + prepaids$14,516.86
Total buyer cash needed$121,150.21
Remaining funds due$121,150.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$467.50
Prepaid interest, first (31 days)$2,424.36
Fees + prepaids$14,516.86
Your down payment is the seller’s equity. You take over the $408,367 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $121,150.21 is due at closing. Uses and sources reconcile at $529,516.86 each. Not a Closing Disclosure.