Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$145,420Cash toward the purchase price.
Closing costs + prepaids$13,126Not just lender fees.
Before credits & paid funds$158,547The complete starting cash picture.
Estimated remaining funds due at closing
$158,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,420.31
Your down payment$145,420.31
Closing costs + prepaids$13,126.32
Total buyer cash needed$158,546.64
Remaining funds due$158,546.64
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)$1,590.75
Prepaid interest, first (2 days)$61.57
Fees + prepaids$13,126.32
Your down payment is the seller’s equity. You take over the $354,480 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $158,546.64 is due at closing. Uses and sources reconcile at $513,026.32 each. Not a Closing Disclosure.