Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$129,181Cash toward the purchase price.
Closing costs + prepaids$14,690Not just lender fees.
Before credits & paid funds$143,871The complete starting cash picture.
Estimated remaining funds due at closing
$143,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,181.36
Your down payment$129,181.36
Closing costs + prepaids$14,689.75
Total buyer cash needed$143,871.11
Remaining funds due$143,871.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,490.00
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)$370.25
Initial HOA (3 months)$1,110.00
Prepaid interest, first (20 days)$1,244.50
Fees + prepaids$14,689.75
Your down payment is the seller’s equity. You take over the $419,819 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $143,871.11 is due at closing. Uses and sources reconcile at $563,689.75 each. Not a Closing Disclosure.