Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$61,288Cash toward the purchase price.
Closing costs + prepaids$14,458Not just lender fees.
Before credits & paid funds$75,745The complete starting cash picture.
Estimated remaining funds due at closing
$75,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,287.79
Your down payment$61,287.79
Closing costs + prepaids$14,457.56
Total buyer cash needed$75,745.35
Remaining funds due$75,745.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.99
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)$724.75
Initial HOA (3 months)$195.00
Prepaid interest, first (27 days)$2,162.82
Fees + prepaids$14,457.56
Your down payment is the seller’s equity. You take over the $428,711 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $75,745.35 is due at closing. Uses and sources reconcile at $504,456.56 each. Not a Closing Disclosure.