Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$109,139Cash toward the purchase price.
Closing costs + prepaids$14,153Not just lender fees.
Before credits & paid funds$123,292The complete starting cash picture.
Estimated remaining funds due at closing
$123,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,139.19
Your down payment$109,139.19
Closing costs + prepaids$14,152.74
Total buyer cash needed$123,291.93
Remaining funds due$123,291.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$852.50
Prepaid interest, first (23 days)$1,725.24
Fees + prepaids$14,152.74
Your down payment is the seller’s equity. You take over the $400,861 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $123,291.93 is due at closing. Uses and sources reconcile at $524,152.74 each. Not a Closing Disclosure.