Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$126,730Cash toward the purchase price.
Closing costs + prepaids$13,732Not just lender fees.
Before credits & paid funds$140,462The complete starting cash picture.
Estimated remaining funds due at closing
$140,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,729.80
Your down payment$126,729.80
Closing costs + prepaids$13,732.42
Total buyer cash needed$140,462.22
Remaining funds due$140,462.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,247.50
Prepaid interest, first (25 days)$1,019.92
Fees + prepaids$13,732.42
Your down payment is the seller’s equity. You take over the $372,270 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $140,462.22 is due at closing. Uses and sources reconcile at $512,732.42 each. Not a Closing Disclosure.