Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$75,989Cash toward the purchase price.
Closing costs + prepaids$13,134Not just lender fees.
Before credits & paid funds$89,123The complete starting cash picture.
Estimated remaining funds due at closing
$89,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,988.97
Your down payment$75,988.97
Closing costs + prepaids$13,134.31
Total buyer cash needed$89,123.28
Remaining funds due$89,123.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$612.50
Initial HOA (3 months)$99.99
Prepaid interest, first (14 days)$1,047.82
Fees + prepaids$13,134.31
Your down payment is the seller’s equity. You take over the $413,911 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $89,123.28 is due at closing. Uses and sources reconcile at $503,034.31 each. Not a Closing Disclosure.