Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$99,867Cash toward the purchase price.
Closing costs + prepaids$12,973Not just lender fees.
Before credits & paid funds$112,840The complete starting cash picture.
Estimated remaining funds due at closing
$112,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,866.90
Your down payment$99,866.90
Closing costs + prepaids$12,972.69
Total buyer cash needed$112,839.59
Remaining funds due$112,839.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$770.75
Prepaid interest, first (26 days)$827.94
Fees + prepaids$12,972.69
Your down payment is the seller’s equity. You take over the $390,033 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $112,839.59 is due at closing. Uses and sources reconcile at $502,872.69 each. Not a Closing Disclosure.