Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$110,395Cash toward the purchase price.
Closing costs + prepaids$13,489Not just lender fees.
Before credits & paid funds$123,884The complete starting cash picture.
Estimated remaining funds due at closing
$123,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,395.42
Your down payment$110,395.42
Closing costs + prepaids$13,488.55
Total buyer cash needed$123,883.97
Remaining funds due$123,883.97
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)$394.50
Prepaid interest, first (24 days)$1,619.05
Fees + prepaids$13,488.55
Your down payment is the seller’s equity. You take over the $389,605 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $123,883.97 is due at closing. Uses and sources reconcile at $513,488.55 each. Not a Closing Disclosure.