Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$125,585Cash toward the purchase price.
Closing costs + prepaids$12,680Not just lender fees.
Before credits & paid funds$138,264The complete starting cash picture.
Estimated remaining funds due at closing
$138,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,584.58
Your down payment$125,584.58
Closing costs + prepaids$12,679.70
Total buyer cash needed$138,264.28
Remaining funds due$138,264.28
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)$706.00
Initial HOA (3 months)$210.00
Prepaid interest, first (2 days)$138.70
Fees + prepaids$12,679.70
Your down payment is the seller’s equity. You take over the $389,415 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $138,264.28 is due at closing. Uses and sources reconcile at $527,679.70 each. Not a Closing Disclosure.