Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$101,039Cash toward the purchase price.
Closing costs + prepaids$12,714Not just lender fees.
Before credits & paid funds$113,754The complete starting cash picture.
Estimated remaining funds due at closing
$113,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,039.08
Your down payment$101,039.08
Closing costs + prepaids$12,714.43
Total buyer cash needed$113,753.51
Remaining funds due$113,753.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$600.00
Prepaid interest, first (9 days)$639.43
Fees + prepaids$12,714.43
Your down payment is the seller’s equity. You take over the $398,961 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $113,753.51 is due at closing. Uses and sources reconcile at $512,714.43 each. Not a Closing Disclosure.