Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$78,006Cash toward the purchase price.
Closing costs + prepaids$14,263Not just lender fees.
Before credits & paid funds$92,270The complete starting cash picture.
Estimated remaining funds due at closing
$92,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,006.41
Your down payment$78,006.41
Closing costs + prepaids$14,263.33
Total buyer cash needed$92,269.74
Remaining funds due$92,269.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.99
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)$1,026.25
Prepaid interest, first (27 days)$1,862.09
Fees + prepaids$14,263.33
Your down payment is the seller’s equity. You take over the $411,993 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $92,269.74 is due at closing. Uses and sources reconcile at $504,262.33 each. Not a Closing Disclosure.