Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$107,232Cash toward the purchase price.
Closing costs + prepaids$14,940Not just lender fees.
Before credits & paid funds$122,171The complete starting cash picture.
Estimated remaining funds due at closing
$122,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,231.88
Your down payment$107,231.88
Closing costs + prepaids$14,939.51
Total buyer cash needed$122,171.39
Remaining funds due$122,171.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$1,675.00
Prepaid interest, first (26 days)$1,889.51
Fees + prepaids$14,939.51
Your down payment is the seller’s equity. You take over the $382,768 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $122,171.39 is due at closing. Uses and sources reconcile at $504,939.51 each. Not a Closing Disclosure.