Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$137,827Cash toward the purchase price.
Closing costs + prepaids$13,144Not just lender fees.
Before credits & paid funds$150,971The complete starting cash picture.
Estimated remaining funds due at closing
$150,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,827.16
Your down payment$137,827.16
Closing costs + prepaids$13,144.23
Total buyer cash needed$150,971.39
Remaining funds due$150,971.39
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 (13 days)$419.23
Fees + prepaids$13,144.23
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $150,971.39 is due at closing. Uses and sources reconcile at $513,144.23 each. Not a Closing Disclosure.