Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$68,536Cash toward the purchase price.
Closing costs + prepaids$12,807Not just lender fees.
Before credits & paid funds$81,343The complete starting cash picture.
Estimated remaining funds due at closing
$81,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,536.21
Your down payment$68,536.21
Closing costs + prepaids$12,806.68
Total buyer cash needed$81,342.89
Remaining funds due$81,342.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,898.50
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)$813.75
Initial HOA (3 months)$501.00
Prepaid interest, first (2 days)$118.43
Fees + prepaids$12,806.68
Your down payment is the seller’s equity. You take over the $421,314 balance, so the rest of the $489,850 price is paid at closing. A second mortgage can cover part of it. $81,342.89 is due at closing. Uses and sources reconcile at $502,656.68 each. Not a Closing Disclosure.