Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$81,243Cash toward the purchase price.
Closing costs + prepaids$14,240Not just lender fees.
Before credits & paid funds$95,483The complete starting cash picture.
Estimated remaining funds due at closing
$95,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,243.01
Your down payment$81,243.01
Closing costs + prepaids$14,240.13
Total buyer cash needed$95,483.13
Remaining funds due$95,483.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$559.75
Prepaid interest, first (28 days)$2,206.38
Fees + prepaids$14,240.13
Your down payment is the seller’s equity. You take over the $418,657 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $95,483.13 is due at closing. Uses and sources reconcile at $514,140.13 each. Not a Closing Disclosure.