Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$94,998Cash toward the purchase price.
Closing costs + prepaids$13,811Not just lender fees.
Before credits & paid funds$108,808The complete starting cash picture.
Estimated remaining funds due at closing
$108,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,997.75
Your down payment$94,997.75
Closing costs + prepaids$13,810.73
Total buyer cash needed$108,808.48
Remaining funds due$108,808.48
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)$607.75
Initial HOA (3 months)$87.00
Prepaid interest, first (23 days)$1,640.98
Fees + prepaids$13,810.73
Your down payment is the seller’s equity. You take over the $405,002 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $108,808.48 is due at closing. Uses and sources reconcile at $513,810.73 each. Not a Closing Disclosure.