Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$104,120Cash toward the purchase price.
Closing costs + prepaids$15,162Not just lender fees.
Before credits & paid funds$119,282The complete starting cash picture.
Estimated remaining funds due at closing
$119,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,119.80
Your down payment$104,119.80
Closing costs + prepaids$15,162.41
Total buyer cash needed$119,282.21
Remaining funds due$119,282.21
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)$1,971.00
Initial HOA (3 months)$567.00
Prepaid interest, first (28 days)$1,199.41
Fees + prepaids$15,162.41
Your down payment is the seller’s equity. You take over the $390,880 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $119,282.21 is due at closing. Uses and sources reconcile at $510,162.41 each. Not a Closing Disclosure.