Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$96,633Cash toward the purchase price.
Closing costs + prepaids$12,913Not just lender fees.
Before credits & paid funds$109,546The complete starting cash picture.
Estimated remaining funds due at closing
$109,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,633.35
Your down payment$96,633.35
Closing costs + prepaids$12,913.05
Total buyer cash needed$109,546.40
Remaining funds due$109,546.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,050.00
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)$606.00
Prepaid interest, first (10 days)$782.05
Fees + prepaids$12,913.05
Your down payment is the seller’s equity. You take over the $408,367 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $109,546.40 is due at closing. Uses and sources reconcile at $517,913.05 each. Not a Closing Disclosure.