Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$121,239Cash toward the purchase price.
Closing costs + prepaids$14,589Not just lender fees.
Before credits & paid funds$135,828The complete starting cash picture.
Estimated remaining funds due at closing
$135,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,238.84
Your down payment$121,238.84
Closing costs + prepaids$14,589.22
Total buyer cash needed$135,828.06
Remaining funds due$135,828.06
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)$722.50
Prepaid interest, first (31 days)$2,392.72
Fees + prepaids$14,589.22
Your down payment is the seller’s equity. You take over the $378,661 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $135,828.06 is due at closing. Uses and sources reconcile at $514,489.22 each. Not a Closing Disclosure.