Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$111,777Cash toward the purchase price.
Closing costs + prepaids$14,036Not just lender fees.
Before credits & paid funds$125,814The complete starting cash picture.
Estimated remaining funds due at closing
$125,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,777.44
Your down payment$111,777.44
Closing costs + prepaids$14,036.45
Total buyer cash needed$125,813.90
Remaining funds due$125,813.90
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)$506.00
Prepaid interest, first (31 days)$2,155.45
Fees + prepaids$14,036.45
Your down payment is the seller’s equity. You take over the $378,223 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $125,813.90 is due at closing. Uses and sources reconcile at $504,036.45 each. Not a Closing Disclosure.