Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$80,447Cash toward the purchase price.
Closing costs + prepaids$12,865Not just lender fees.
Before credits & paid funds$93,312The complete starting cash picture.
Estimated remaining funds due at closing
$93,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,446.99
Your down payment$80,446.99
Closing costs + prepaids$12,865.46
Total buyer cash needed$93,312.45
Remaining funds due$93,312.45
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)$1,250.00
Prepaid interest, first (2 days)$140.46
Fees + prepaids$12,865.46
Your down payment is the seller’s equity. You take over the $419,553 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $93,312.45 is due at closing. Uses and sources reconcile at $512,865.46 each. Not a Closing Disclosure.