Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$79,118Cash toward the purchase price.
Closing costs + prepaids$14,472Not just lender fees.
Before credits & paid funds$93,590The complete starting cash picture.
Estimated remaining funds due at closing
$93,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,117.67
Your down payment$79,117.67
Closing costs + prepaids$14,471.86
Total buyer cash needed$93,589.53
Remaining funds due$93,589.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,995.00
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)$1,167.75
Initial HOA (3 months)$177.00
Prepaid interest, first (22 days)$1,657.11
Fees + prepaids$14,471.86
Your down payment is the seller’s equity. You take over the $420,382 balance, so the rest of the $499,500 price is paid at closing. A second mortgage can cover part of it. $93,589.53 is due at closing. Uses and sources reconcile at $513,971.86 each. Not a Closing Disclosure.