Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$84,888Cash toward the purchase price.
Closing costs + prepaids$14,849Not just lender fees.
Before credits & paid funds$99,737The complete starting cash picture.
Estimated remaining funds due at closing
$99,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,888.47
Your down payment$84,888.47
Closing costs + prepaids$14,849.01
Total buyer cash needed$99,737.48
Remaining funds due$99,737.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,237.50
Prepaid interest, first (28 days)$2,186.51
Fees + prepaids$14,849.01
Your down payment is the seller’s equity. You take over the $410,112 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $99,737.48 is due at closing. Uses and sources reconcile at $509,849.01 each. Not a Closing Disclosure.