Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$89,373Cash toward the purchase price.
Closing costs + prepaids$15,751Not just lender fees.
Before credits & paid funds$105,124The complete starting cash picture.
Estimated remaining funds due at closing
$105,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,372.73
Your down payment$89,372.73
Closing costs + prepaids$15,751.28
Total buyer cash needed$105,124.02
Remaining funds due$105,124.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,247.50
Initial HOA (3 months)$2,256.00
Prepaid interest, first (25 days)$782.78
Fees + prepaids$15,751.28
Your down payment is the seller’s equity. You take over the $409,627 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $105,124.02 is due at closing. Uses and sources reconcile at $514,751.28 each. Not a Closing Disclosure.