Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$112,347Cash toward the purchase price.
Closing costs + prepaids$14,953Not just lender fees.
Before credits & paid funds$127,301The complete starting cash picture.
Estimated remaining funds due at closing
$127,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,347.45
Your down payment$112,347.45
Closing costs + prepaids$14,953.08
Total buyer cash needed$127,300.52
Remaining funds due$127,300.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,940.00
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)$1,235.00
Initial HOA (3 months)$1,545.00
Prepaid interest, first (25 days)$758.08
Fees + prepaids$14,953.08
Your down payment is the seller’s equity. You take over the $381,653 balance, so the rest of the $494,000 price is paid at closing. A second mortgage can cover part of it. $127,300.52 is due at closing. Uses and sources reconcile at $508,953.08 each. Not a Closing Disclosure.