Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$82,782Cash toward the purchase price.
Closing costs + prepaids$13,045Not just lender fees.
Before credits & paid funds$95,827The complete starting cash picture.
Estimated remaining funds due at closing
$95,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,781.88
Your down payment$82,781.88
Closing costs + prepaids$13,044.81
Total buyer cash needed$95,826.69
Remaining funds due$95,826.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,870.00
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)$584.50
Initial HOA (3 months)$204.99
Prepaid interest, first (12 days)$910.32
Fees + prepaids$13,044.81
Your down payment is the seller’s equity. You take over the $404,218 balance, so the rest of the $487,000 price is paid at closing. A second mortgage can cover part of it. $95,826.69 is due at closing. Uses and sources reconcile at $500,044.81 each. Not a Closing Disclosure.