Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$100,553Cash toward the purchase price.
Closing costs + prepaids$14,180Not just lender fees.
Before credits & paid funds$114,732The complete starting cash picture.
Estimated remaining funds due at closing
$114,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,552.61
Your down payment$100,552.61
Closing costs + prepaids$14,179.88
Total buyer cash needed$114,732.49
Remaining funds due$114,732.49
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 (22 days)$1,467.38
Fees + prepaids$14,179.88
Your down payment is the seller’s equity. You take over the $398,447 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $114,732.49 is due at closing. Uses and sources reconcile at $513,179.88 each. Not a Closing Disclosure.