Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$137,727Cash toward the purchase price.
Closing costs + prepaids$12,461Not just lender fees.
Before credits & paid funds$150,188The complete starting cash picture.
Estimated remaining funds due at closing
$150,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,727.16
Your down payment$137,727.16
Closing costs + prepaids$12,460.98
Total buyer cash needed$150,188.14
Remaining funds due$150,188.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$386.98
Fees + prepaids$12,460.98
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $150,188.14 is due at closing. Uses and sources reconcile at $512,360.98 each. Not a Closing Disclosure.