Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$47,166Cash toward the purchase price.
Closing costs + prepaids$12,169Not just lender fees.
Before credits & paid funds$59,335The complete starting cash picture.
Estimated remaining funds due at closing
$59,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,166.01
Your down payment$47,166.01
Closing costs + prepaids$12,168.50
Total buyer cash needed$59,334.51
Remaining funds due$59,334.51
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)$611.00
Prepaid interest, first (1 days)$82.50
Fees + prepaids$12,168.50
Your down payment is the seller’s equity. You take over the $452,834 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $59,334.51 is due at closing. Uses and sources reconcile at $512,168.50 each. Not a Closing Disclosure.