Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$103,565Cash toward the purchase price.
Closing costs + prepaids$14,245Not just lender fees.
Before credits & paid funds$117,810The complete starting cash picture.
Estimated remaining funds due at closing
$117,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,564.76
Your down payment$103,564.76
Closing costs + prepaids$14,244.91
Total buyer cash needed$117,809.68
Remaining funds due$117,809.68
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)$603.25
Initial HOA (3 months)$309.99
Prepaid interest, first (26 days)$1,857.67
Fees + prepaids$14,244.91
Your down payment is the seller’s equity. You take over the $396,335 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $117,809.68 is due at closing. Uses and sources reconcile at $514,144.91 each. Not a Closing Disclosure.