Follow the dollars · Assumption only
A complete cash picture for Nov 15, 2026
Your down payment$137,026Cash toward the purchase price.
Closing costs + prepaids$13,242Not just lender fees.
Before credits & paid funds$150,268The complete starting cash picture.
Estimated remaining funds due at closing
$150,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,025.87
Your down payment$137,025.87
Closing costs + prepaids$13,242.11
Total buyer cash needed$150,267.99
Remaining funds due$150,267.99
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)$1,250.00
Prepaid interest, first (16 days)$517.11
Fees + prepaids$13,242.11
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $150,267.99 is due at closing. Uses and sources reconcile at $513,242.11 each. Not a Closing Disclosure.