Follow the dollars · Assumption only
A complete cash picture for Nov 25, 2026
Your down payment$137,026Cash toward the purchase price.
Closing costs + prepaids$12,919Not just lender fees.
Before credits & paid funds$149,945The complete starting cash picture.
Estimated remaining funds due at closing
$149,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,025.87
Your down payment$137,025.87
Closing costs + prepaids$12,918.92
Total buyer cash needed$149,944.79
Remaining funds due$149,944.79
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 (6 days)$193.92
Fees + prepaids$12,918.92
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $149,944.79 is due at closing. Uses and sources reconcile at $512,918.92 each. Not a Closing Disclosure.