Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$111,816Cash toward the purchase price.
Closing costs + prepaids$12,788Not just lender fees.
Before credits & paid funds$124,605The complete starting cash picture.
Estimated remaining funds due at closing
$124,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,816.29
Your down payment$111,816.29
Closing costs + prepaids$12,788.21
Total buyer cash needed$124,604.50
Remaining funds due$124,604.50
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)$493.00
Prepaid interest, first (22 days)$770.21
Fees + prepaids$12,788.21
Your down payment is the seller’s equity. You take over the $393,184 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $124,604.50 is due at closing. Uses and sources reconcile at $517,788.21 each. Not a Closing Disclosure.