Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$78,421Cash toward the purchase price.
Closing costs + prepaids$15,332Not just lender fees.
Before credits & paid funds$93,753The complete starting cash picture.
Estimated remaining funds due at closing
$93,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,421.30
Your down payment$78,421.30
Closing costs + prepaids$15,332.08
Total buyer cash needed$93,753.38
Remaining funds due$93,753.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,879.90
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)$1,265.00
Initial HOA (3 months)$186.99
Prepaid interest, first (29 days)$2,525.19
Fees + prepaids$15,332.08
Your down payment is the seller’s equity. You take over the $409,569 balance, so the rest of the $487,990 price is paid at closing. A second mortgage can cover part of it. $93,753.38 is due at closing. Uses and sources reconcile at $503,322.08 each. Not a Closing Disclosure.