Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$75,989Cash toward the purchase price.
Closing costs + prepaids$13,762Not just lender fees.
Before credits & paid funds$89,751The complete starting cash picture.
Estimated remaining funds due at closing
$89,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,988.97
Your down payment$75,988.97
Closing costs + prepaids$13,761.59
Total buyer cash needed$89,750.56
Remaining funds due$89,750.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$416.50
Initial HOA (3 months)$99.99
Prepaid interest, first (25 days)$1,871.10
Fees + prepaids$13,761.59
Your down payment is the seller’s equity. You take over the $413,911 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $89,750.56 is due at closing. Uses and sources reconcile at $503,661.59 each. Not a Closing Disclosure.