Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$85,610Cash toward the purchase price.
Closing costs + prepaids$12,018Not just lender fees.
Before credits & paid funds$97,627The complete starting cash picture.
Estimated remaining funds due at closing
$97,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,609.51
Your down payment$85,609.51
Closing costs + prepaids$12,017.58
Total buyer cash needed$97,627.08
Remaining funds due$97,627.08
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)$486.00
Initial HOA (3 months)$18.75
Prepaid interest, first (2 days)$137.83
Fees + prepaids$12,017.58
Your down payment is the seller’s equity. You take over the $404,390 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $97,627.08 is due at closing. Uses and sources reconcile at $502,017.58 each. Not a Closing Disclosure.