Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$95,998Cash toward the purchase price.
Closing costs + prepaids$15,517Not just lender fees.
Before credits & paid funds$111,516The complete starting cash picture.
Estimated remaining funds due at closing
$111,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,998.29
Your down payment$95,998.29
Closing costs + prepaids$15,517.46
Total buyer cash needed$111,515.75
Remaining funds due$111,515.75
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)$2,162.00
Initial HOA (3 months)$381.00
Prepaid interest, first (23 days)$1,499.46
Fees + prepaids$15,517.46
Your down payment is the seller’s equity. You take over the $404,002 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $111,515.75 is due at closing. Uses and sources reconcile at $515,517.46 each. Not a Closing Disclosure.