Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$99,204Cash toward the purchase price.
Closing costs + prepaids$14,581Not just lender fees.
Before credits & paid funds$113,784The complete starting cash picture.
Estimated remaining funds due at closing
$113,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,203.92
Your down payment$99,203.92
Closing costs + prepaids$14,580.56
Total buyer cash needed$113,784.48
Remaining funds due$113,784.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$1,225.00
Initial HOA (3 months)$159.99
Prepaid interest, first (26 days)$1,820.57
Fees + prepaids$14,580.56
Your down payment is the seller’s equity. You take over the $390,796 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $113,784.48 is due at closing. Uses and sources reconcile at $504,580.56 each. Not a Closing Disclosure.