Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$144,282Cash toward the purchase price.
Closing costs + prepaids$12,795Not just lender fees.
Before credits & paid funds$157,077The complete starting cash picture.
Estimated remaining funds due at closing
$157,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,282.45
Your down payment$144,282.45
Closing costs + prepaids$12,794.85
Total buyer cash needed$157,077.30
Remaining funds due$157,077.30
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)$685.50
Prepaid interest, first (23 days)$634.35
Fees + prepaids$12,794.85
Your down payment is the seller’s equity. You take over the $355,718 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $157,077.30 is due at closing. Uses and sources reconcile at $512,794.85 each. Not a Closing Disclosure.