Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$172,884Cash toward the purchase price.
Closing costs + prepaids$12,373Not just lender fees.
Before credits & paid funds$185,257The complete starting cash picture.
Estimated remaining funds due at closing
$185,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,884.06
Your down payment$172,884.06
Closing costs + prepaids$12,372.90
Total buyer cash needed$185,256.96
Remaining funds due$185,256.96
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)$600.00
Prepaid interest, first (12 days)$297.90
Fees + prepaids$12,372.90
Your down payment is the seller’s equity. You take over the $327,116 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $185,256.96 is due at closing. Uses and sources reconcile at $512,372.90 each. Not a Closing Disclosure.