Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$95,857Cash toward the purchase price.
Closing costs + prepaids$14,559Not just lender fees.
Before credits & paid funds$110,415The complete starting cash picture.
Estimated remaining funds due at closing
$110,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,856.69
Your down payment$95,856.69
Closing costs + prepaids$14,558.56
Total buyer cash needed$110,415.24
Remaining funds due$110,415.24
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)$1,335.00
Prepaid interest, first (24 days)$1,748.56
Fees + prepaids$14,558.56
Your down payment is the seller’s equity. You take over the $404,143 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $110,415.24 is due at closing. Uses and sources reconcile at $514,558.56 each. Not a Closing Disclosure.