Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$93,028Cash toward the purchase price.
Closing costs + prepaids$14,789Not just lender fees.
Before credits & paid funds$107,817The complete starting cash picture.
Estimated remaining funds due at closing
$107,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,028.25
Your down payment$93,028.25
Closing costs + prepaids$14,789.14
Total buyer cash needed$107,817.39
Remaining funds due$107,817.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,940.00
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)$1,126.50
Prepaid interest, first (30 days)$2,247.64
Fees + prepaids$14,789.14
Your down payment is the seller’s equity. You take over the $400,972 balance, so the rest of the $494,000 price is paid at closing. A second mortgage can cover part of it. $107,817.39 is due at closing. Uses and sources reconcile at $508,789.14 each. Not a Closing Disclosure.