Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$69,644Cash toward the purchase price.
Closing costs + prepaids$14,904Not just lender fees.
Before credits & paid funds$84,549The complete starting cash picture.
Estimated remaining funds due at closing
$84,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,644.42
Your down payment$69,644.42
Closing costs + prepaids$14,904.32
Total buyer cash needed$84,548.73
Remaining funds due$84,548.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.90
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)$1,225.00
Prepaid interest, first (30 days)$2,304.42
Fees + prepaids$14,904.32
Your down payment is the seller’s equity. You take over the $420,346 balance, so the rest of the $489,990 price is paid at closing. A second mortgage can cover part of it. $84,548.73 is due at closing. Uses and sources reconcile at $504,894.32 each. Not a Closing Disclosure.