Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$89,844Cash toward the purchase price.
Closing costs + prepaids$13,869Not just lender fees.
Before credits & paid funds$103,713The complete starting cash picture.
Estimated remaining funds due at closing
$103,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,843.98
Your down payment$89,843.98
Closing costs + prepaids$13,868.86
Total buyer cash needed$103,712.83
Remaining funds due$103,712.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.90
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)$421.00
Prepaid interest, first (25 days)$2,022.96
Fees + prepaids$13,868.86
Your down payment is the seller’s equity. You take over the $405,146 balance, so the rest of the $494,990 price is paid at closing. A second mortgage can cover part of it. $103,712.83 is due at closing. Uses and sources reconcile at $508,858.86 each. Not a Closing Disclosure.