Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$78,421Cash toward the purchase price.
Closing costs + prepaids$14,723Not just lender fees.
Before credits & paid funds$93,144The complete starting cash picture.
Estimated remaining funds due at closing
$93,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,421.30
Your down payment$78,421.30
Closing costs + prepaids$14,722.55
Total buyer cash needed$93,143.85
Remaining funds due$93,143.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,879.90
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)$1,265.00
Initial HOA (3 months)$186.99
Prepaid interest, first (22 days)$1,915.66
Fees + prepaids$14,722.55
Your down payment is the seller’s equity. You take over the $409,569 balance, so the rest of the $487,990 price is paid at closing. A second mortgage can cover part of it. $93,143.85 is due at closing. Uses and sources reconcile at $502,712.55 each. Not a Closing Disclosure.