Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$116,496Cash toward the purchase price.
Closing costs + prepaids$13,807Not just lender fees.
Before credits & paid funds$130,304The complete starting cash picture.
Estimated remaining funds due at closing
$130,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,496.35
Your down payment$116,496.35
Closing costs + prepaids$13,807.41
Total buyer cash needed$130,303.76
Remaining funds due$130,303.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,576.25
Prepaid interest, first (26 days)$806.16
Fees + prepaids$13,807.41
Your down payment is the seller’s equity. You take over the $378,504 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $130,303.76 is due at closing. Uses and sources reconcile at $508,807.41 each. Not a Closing Disclosure.