Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$86,007Cash toward the purchase price.
Closing costs + prepaids$13,785Not just lender fees.
Before credits & paid funds$99,792The complete starting cash picture.
Estimated remaining funds due at closing
$99,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,007.13
Your down payment$86,007.13
Closing costs + prepaids$13,784.85
Total buyer cash needed$99,791.98
Remaining funds due$99,791.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$277.25
Prepaid interest, first (31 days)$2,142.60
Fees + prepaids$13,784.85
Your down payment is the seller’s equity. You take over the $402,993 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $99,791.98 is due at closing. Uses and sources reconcile at $502,784.85 each. Not a Closing Disclosure.