Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$135,107Cash toward the purchase price.
Closing costs + prepaids$12,834Not just lender fees.
Before credits & paid funds$147,941The complete starting cash picture.
Estimated remaining funds due at closing
$147,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,106.76
Your down payment$135,106.76
Closing costs + prepaids$12,834.46
Total buyer cash needed$147,941.22
Remaining funds due$147,941.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$287.75
Prepaid interest, first (31 days)$1,081.71
Fees + prepaids$12,834.46
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $147,941.22 is due at closing. Uses and sources reconcile at $511,834.46 each. Not a Closing Disclosure.