Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$91,495Cash toward the purchase price.
Closing costs + prepaids$12,364Not just lender fees.
Before credits & paid funds$103,859The complete starting cash picture.
Estimated remaining funds due at closing
$103,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,494.67
Your down payment$91,494.67
Closing costs + prepaids$12,364.49
Total buyer cash needed$103,859.16
Remaining funds due$103,859.16
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)$671.75
Initial HOA (3 months)$144.99
Prepaid interest, first (1 days)$72.75
Fees + prepaids$12,364.49
Your down payment is the seller’s equity. You take over the $408,505 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $103,859.16 is due at closing. Uses and sources reconcile at $512,364.49 each. Not a Closing Disclosure.