Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$96,746Cash toward the purchase price.
Closing costs + prepaids$14,424Not just lender fees.
Before credits & paid funds$111,170The complete starting cash picture.
Estimated remaining funds due at closing
$111,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,745.83
Your down payment$96,745.83
Closing costs + prepaids$14,424.50
Total buyer cash needed$111,170.32
Remaining funds due$111,170.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$851.00
Prepaid interest, first (29 days)$2,148.50
Fees + prepaids$14,424.50
Your down payment is the seller’s equity. You take over the $398,254 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $111,170.32 is due at closing. Uses and sources reconcile at $509,424.50 each. Not a Closing Disclosure.