Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$112,409Cash toward the purchase price.
Closing costs + prepaids$13,404Not just lender fees.
Before credits & paid funds$125,813The complete starting cash picture.
Estimated remaining funds due at closing
$125,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,409.25
Your down payment$112,409.25
Closing costs + prepaids$13,404.22
Total buyer cash needed$125,813.47
Remaining funds due$125,813.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$623.75
Prepaid interest, first (18 days)$1,315.47
Fees + prepaids$13,404.22
Your down payment is the seller’s equity. You take over the $386,591 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $125,813.47 is due at closing. Uses and sources reconcile at $512,404.22 each. Not a Closing Disclosure.