Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$74,463Cash toward the purchase price.
Closing costs + prepaids$14,475Not just lender fees.
Before credits & paid funds$88,938The complete starting cash picture.
Estimated remaining funds due at closing
$88,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,463.20
Your down payment$74,463.20
Closing costs + prepaids$14,474.88
Total buyer cash needed$88,938.08
Remaining funds due$88,938.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$507.25
Initial HOA (3 months)$32.76
Prepaid interest, first (31 days)$2,469.87
Fees + prepaids$14,474.88
Your down payment is the seller’s equity. You take over the $424,537 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $88,938.08 is due at closing. Uses and sources reconcile at $513,474.88 each. Not a Closing Disclosure.