Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$60,019Cash toward the purchase price.
Closing costs + prepaids$14,641Not just lender fees.
Before credits & paid funds$74,661The complete starting cash picture.
Estimated remaining funds due at closing
$74,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,019.29
Your down payment$60,019.29
Closing costs + prepaids$14,641.44
Total buyer cash needed$74,660.73
Remaining funds due$74,660.73
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)$819.00
Initial HOA (3 months)$69.00
Prepaid interest, first (30 days)$2,378.44
Fees + prepaids$14,641.44
Your down payment is the seller’s equity. You take over the $429,981 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $74,660.73 is due at closing. Uses and sources reconcile at $504,641.44 each. Not a Closing Disclosure.