Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$131,493Cash toward the purchase price.
Closing costs + prepaids$13,674Not just lender fees.
Before credits & paid funds$145,167The complete starting cash picture.
Estimated remaining funds due at closing
$145,167No 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$13,674.14
Total buyer cash needed$145,167.10
Remaining funds due$145,167.10
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 (20 days)$1,339.14
Fees + prepaids$13,674.14
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. $145,167.10 is due at closing. Uses and sources reconcile at $512,674.14 each. Not a Closing Disclosure.