Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$79,319Cash toward the purchase price.
Closing costs + prepaids$15,341Not just lender fees.
Before credits & paid funds$94,661The complete starting cash picture.
Estimated remaining funds due at closing
$94,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,319.29
Your down payment$79,319.29
Closing costs + prepaids$15,341.50
Total buyer cash needed$94,660.79
Remaining funds due$94,660.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,989.00
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)$1,610.50
Initial HOA (3 months)$30.00
Prepaid interest, first (28 days)$2,237.00
Fees + prepaids$15,341.50
Your down payment is the seller’s equity. You take over the $419,581 balance, so the rest of the $498,900 price is paid at closing. A second mortgage can cover part of it. $94,660.79 is due at closing. Uses and sources reconcile at $514,241.50 each. Not a Closing Disclosure.