Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$99,213Cash toward the purchase price.
Closing costs + prepaids$12,804Not just lender fees.
Before credits & paid funds$112,018The complete starting cash picture.
Estimated remaining funds due at closing
$112,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,213.39
Your down payment$99,213.39
Closing costs + prepaids$12,804.39
Total buyer cash needed$112,017.78
Remaining funds due$112,017.78
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)$1,250.00
Prepaid interest, first (1 days)$79.39
Fees + prepaids$12,804.39
Your down payment is the seller’s equity. You take over the $400,787 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $112,017.78 is due at closing. Uses and sources reconcile at $512,804.39 each. Not a Closing Disclosure.