Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$132,528Cash toward the purchase price.
Closing costs + prepaids$12,718Not just lender fees.
Before credits & paid funds$145,245The complete starting cash picture.
Estimated remaining funds due at closing
$145,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,527.56
Your down payment$132,527.56
Closing costs + prepaids$12,717.54
Total buyer cash needed$145,245.10
Remaining funds due$145,245.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,050.00
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)$378.00
Prepaid interest, first (26 days)$814.54
Fees + prepaids$12,717.54
Your down payment is the seller’s equity. You take over the $372,472 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $145,245.10 is due at closing. Uses and sources reconcile at $517,717.54 each. Not a Closing Disclosure.