Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$81,254Cash toward the purchase price.
Closing costs + prepaids$14,548Not just lender fees.
Before credits & paid funds$95,802The complete starting cash picture.
Estimated remaining funds due at closing
$95,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,254.21
Your down payment$81,254.21
Closing costs + prepaids$14,548.03
Total buyer cash needed$95,802.24
Remaining funds due$95,802.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$1,222.50
Prepaid interest, first (27 days)$1,960.53
Fees + prepaids$14,548.03
Your down payment is the seller’s equity. You take over the $407,746 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $95,802.24 is due at closing. Uses and sources reconcile at $503,548.03 each. Not a Closing Disclosure.