Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$90,528Cash toward the purchase price.
Closing costs + prepaids$14,309Not just lender fees.
Before credits & paid funds$104,836The complete starting cash picture.
Estimated remaining funds due at closing
$104,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,527.53
Your down payment$90,527.53
Closing costs + prepaids$14,308.83
Total buyer cash needed$104,836.35
Remaining funds due$104,836.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,870.00
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)$603.00
Initial HOA (3 months)$83.01
Prepaid interest, first (30 days)$2,277.82
Fees + prepaids$14,308.83
Your down payment is the seller’s equity. You take over the $396,472 balance, so the rest of the $487,000 price is paid at closing. A second mortgage can cover part of it. $104,836.35 is due at closing. Uses and sources reconcile at $501,308.83 each. Not a Closing Disclosure.