Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$96,450Cash toward the purchase price.
Closing costs + prepaids$14,539Not just lender fees.
Before credits & paid funds$110,989The complete starting cash picture.
Estimated remaining funds due at closing
$110,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,450.31
Your down payment$96,450.31
Closing costs + prepaids$14,538.96
Total buyer cash needed$110,989.26
Remaining funds due$110,989.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$1,178.25
Initial HOA (3 months)$255.00
Prepaid interest, first (22 days)$1,631.71
Fees + prepaids$14,538.96
Your down payment is the seller’s equity. You take over the $403,450 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $110,989.26 is due at closing. Uses and sources reconcile at $514,438.96 each. Not a Closing Disclosure.