Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$136,394Cash toward the purchase price.
Closing costs + prepaids$13,478Not just lender fees.
Before credits & paid funds$149,873The complete starting cash picture.
Estimated remaining funds due at closing
$149,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,394.39
Your down payment$136,394.39
Closing costs + prepaids$13,478.11
Total buyer cash needed$149,872.51
Remaining funds due$149,872.51
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)$1,250.00
Prepaid interest, first (27 days)$753.11
Fees + prepaids$13,478.11
Your down payment is the seller’s equity. You take over the $363,606 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $149,872.51 is due at closing. Uses and sources reconcile at $513,478.11 each. Not a Closing Disclosure.