Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$72,721Cash toward the purchase price.
Closing costs + prepaids$14,100Not just lender fees.
Before credits & paid funds$86,821The complete starting cash picture.
Estimated remaining funds due at closing
$86,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,721.49
Your down payment$72,721.49
Closing costs + prepaids$14,099.67
Total buyer cash needed$86,821.16
Remaining funds due$86,821.16
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)$563.75
Initial HOA (3 months)$396.00
Prepaid interest, first (31 days)$1,764.92
Fees + prepaids$14,099.67
Your down payment is the seller’s equity. You take over the $417,279 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $86,821.16 is due at closing. Uses and sources reconcile at $504,099.67 each. Not a Closing Disclosure.