Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$101,539Cash toward the purchase price.
Closing costs + prepaids$12,785Not just lender fees.
Before credits & paid funds$114,324The complete starting cash picture.
Estimated remaining funds due at closing
$114,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,539.45
Your down payment$101,539.45
Closing costs + prepaids$12,784.58
Total buyer cash needed$114,324.02
Remaining funds due$114,324.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$600.00
Prepaid interest, first (10 days)$709.59
Fees + prepaids$12,784.58
Your down payment is the seller’s equity. You take over the $398,460 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $114,324.02 is due at closing. Uses and sources reconcile at $512,783.58 each. Not a Closing Disclosure.