Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$79,730Cash toward the purchase price.
Closing costs + prepaids$13,973Not just lender fees.
Before credits & paid funds$93,704The complete starting cash picture.
Estimated remaining funds due at closing
$93,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,730.39
Your down payment$79,730.39
Closing costs + prepaids$13,973.48
Total buyer cash needed$93,703.87
Remaining funds due$93,703.87
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)$640.00
Initial HOA (3 months)$258.00
Prepaid interest, first (20 days)$1,600.48
Fees + prepaids$13,973.48
Your down payment is the seller’s equity. You take over the $420,270 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $93,703.87 is due at closing. Uses and sources reconcile at $513,973.48 each. Not a Closing Disclosure.