Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$117,467Cash toward the purchase price.
Closing costs + prepaids$13,256Not just lender fees.
Before credits & paid funds$130,722The complete starting cash picture.
Estimated remaining funds due at closing
$130,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,466.76
Your down payment$117,466.76
Closing costs + prepaids$13,255.69
Total buyer cash needed$130,722.45
Remaining funds due$130,722.45
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)$843.75
Prepaid interest, first (30 days)$936.94
Fees + prepaids$13,255.69
Your down payment is the seller’s equity. You take over the $382,533 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $130,722.45 is due at closing. Uses and sources reconcile at $513,255.69 each. Not a Closing Disclosure.