Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$73,121Cash toward the purchase price.
Closing costs + prepaids$14,228Not just lender fees.
Before credits & paid funds$87,349The complete starting cash picture.
Estimated remaining funds due at closing
$87,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,121.27
Your down payment$73,121.27
Closing costs + prepaids$14,228.11
Total buyer cash needed$87,349.38
Remaining funds due$87,349.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$515.00
Initial HOA (3 months)$222.00
Prepaid interest, first (30 days)$2,126.11
Fees + prepaids$14,228.11
Your down payment is the seller’s equity. You take over the $415,879 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $87,349.38 is due at closing. Uses and sources reconcile at $503,228.11 each. Not a Closing Disclosure.