Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$144,365Cash toward the purchase price.
Closing costs + prepaids$12,995Not just lender fees.
Before credits & paid funds$157,360The complete starting cash picture.
Estimated remaining funds due at closing
$157,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,364.66
Your down payment$144,364.66
Closing costs + prepaids$12,995.17
Total buyer cash needed$157,359.83
Remaining funds due$157,359.83
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)$879.25
Prepaid interest, first (22 days)$640.92
Fees + prepaids$12,995.17
Your down payment is the seller’s equity. You take over the $355,635 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $157,359.83 is due at closing. Uses and sources reconcile at $512,995.17 each. Not a Closing Disclosure.