Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,580Cash toward the purchase price.
Closing costs + prepaids$13,835Not just lender fees.
Before credits & paid funds$122,415The complete starting cash picture.
Estimated remaining funds due at closing
$122,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,579.56
Your down payment$108,579.56
Closing costs + prepaids$13,835.13
Total buyer cash needed$122,414.69
Remaining funds due$122,414.69
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)$661.50
Prepaid interest, first (26 days)$1,798.63
Fees + prepaids$13,835.13
Your down payment is the seller’s equity. You take over the $381,420 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $122,414.69 is due at closing. Uses and sources reconcile at $503,835.13 each. Not a Closing Disclosure.