Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$73,021Cash toward the purchase price.
Closing costs + prepaids$14,407Not just lender fees.
Before credits & paid funds$87,428The complete starting cash picture.
Estimated remaining funds due at closing
$87,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,020.89
Your down payment$73,020.89
Closing costs + prepaids$14,406.78
Total buyer cash needed$87,427.66
Remaining funds due$87,427.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,895.00
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)$852.50
Initial HOA (3 months)$86.25
Prepaid interest, first (27 days)$2,098.03
Fees + prepaids$14,406.78
Your down payment is the seller’s equity. You take over the $416,479 balance, so the rest of the $489,500 price is paid at closing. A second mortgage can cover part of it. $87,427.66 is due at closing. Uses and sources reconcile at $503,906.78 each. Not a Closing Disclosure.