Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$138,589Cash toward the purchase price.
Closing costs + prepaids$13,166Not just lender fees.
Before credits & paid funds$151,755The complete starting cash picture.
Estimated remaining funds due at closing
$151,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,589.42
Your down payment$138,589.42
Closing costs + prepaids$13,165.89
Total buyer cash needed$151,755.31
Remaining funds due$151,755.31
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)$490.50
Prepaid interest, first (18 days)$1,210.39
Fees + prepaids$13,165.89
Your down payment is the seller’s equity. You take over the $360,411 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $151,755.31 is due at closing. Uses and sources reconcile at $512,165.89 each. Not a Closing Disclosure.