Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$109,311Cash toward the purchase price.
Closing costs + prepaids$13,931Not just lender fees.
Before credits & paid funds$123,242The complete starting cash picture.
Estimated remaining funds due at closing
$123,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,311.02
Your down payment$109,311.02
Closing costs + prepaids$13,930.63
Total buyer cash needed$123,241.65
Remaining funds due$123,241.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$610.00
Initial HOA (3 months)$12.51
Prepaid interest, first (27 days)$1,934.12
Fees + prepaids$13,930.63
Your down payment is the seller’s equity. You take over the $380,589 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $123,241.65 is due at closing. Uses and sources reconcile at $503,830.63 each. Not a Closing Disclosure.