Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$81,350Cash toward the purchase price.
Closing costs + prepaids$13,989Not just lender fees.
Before credits & paid funds$95,340The complete starting cash picture.
Estimated remaining funds due at closing
$95,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,350.19
Your down payment$81,350.19
Closing costs + prepaids$13,989.37
Total buyer cash needed$95,339.56
Remaining funds due$95,339.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$1,222.50
Prepaid interest, first (24 days)$1,401.87
Fees + prepaids$13,989.37
Your down payment is the seller’s equity. You take over the $407,650 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $95,339.56 is due at closing. Uses and sources reconcile at $502,989.37 each. Not a Closing Disclosure.