Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$111,322Cash toward the purchase price.
Closing costs + prepaids$14,052Not just lender fees.
Before credits & paid funds$125,374The complete starting cash picture.
Estimated remaining funds due at closing
$125,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,321.85
Your down payment$111,321.85
Closing costs + prepaids$14,052.26
Total buyer cash needed$125,374.11
Remaining funds due$125,374.11
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)$679.50
Prepaid interest, first (29 days)$1,997.76
Fees + prepaids$14,052.26
Your down payment is the seller’s equity. You take over the $378,678 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $125,374.11 is due at closing. Uses and sources reconcile at $504,052.26 each. Not a Closing Disclosure.