Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$101,539Cash toward the purchase price.
Closing costs + prepaids$13,961Not just lender fees.
Before credits & paid funds$115,500The complete starting cash picture.
Estimated remaining funds due at closing
$115,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,539.45
Your down payment$101,539.45
Closing costs + prepaids$13,960.71
Total buyer cash needed$115,500.15
Remaining funds due$115,500.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$286.00
Prepaid interest, first (31 days)$2,199.72
Fees + prepaids$13,960.71
Your down payment is the seller’s equity. You take over the $398,460 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $115,500.15 is due at closing. Uses and sources reconcile at $513,959.71 each. Not a Closing Disclosure.