Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$84,545Cash toward the purchase price.
Closing costs + prepaids$16,238Not just lender fees.
Before credits & paid funds$100,783The complete starting cash picture.
Estimated remaining funds due at closing
$100,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,544.96
Your down payment$84,544.96
Closing costs + prepaids$16,237.79
Total buyer cash needed$100,782.75
Remaining funds due$100,782.75
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)$1,865.75
Initial HOA (3 months)$480.00
Prepaid interest, first (31 days)$2,417.04
Fees + prepaids$16,237.79
Your down payment is the seller’s equity. You take over the $415,455 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $100,782.75 is due at closing. Uses and sources reconcile at $516,237.79 each. Not a Closing Disclosure.