Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,172Cash toward the purchase price.
Closing costs + prepaids$13,728Not just lender fees.
Before credits & paid funds$129,900The complete starting cash picture.
Estimated remaining funds due at closing
$129,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,172.27
Your down payment$116,172.27
Closing costs + prepaids$13,728.00
Total buyer cash needed$129,900.28
Remaining funds due$129,900.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,995.00
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)$1,248.75
Prepaid interest, first (31 days)$1,009.25
Fees + prepaids$13,728.00
Your down payment is the seller’s equity. You take over the $383,328 balance, so the rest of the $499,500 price is paid at closing. A second mortgage can cover part of it. $129,900.28 is due at closing. Uses and sources reconcile at $513,228.00 each. Not a Closing Disclosure.