Follow the dollars · Assumption only
A complete cash picture for Nov 21, 2026
Your down payment$137,026Cash toward the purchase price.
Closing costs + prepaids$13,048Not just lender fees.
Before credits & paid funds$150,074The complete starting cash picture.
Estimated remaining funds due at closing
$150,074No 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$13,048.20
Total buyer cash needed$150,074.07
Remaining funds due$150,074.07
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 (10 days)$323.20
Fees + prepaids$13,048.20
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. $150,074.07 is due at closing. Uses and sources reconcile at $513,048.20 each. Not a Closing Disclosure.