Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$76,725Cash toward the purchase price.
Closing costs + prepaids$12,749Not just lender fees.
Before credits & paid funds$89,474The complete starting cash picture.
Estimated remaining funds due at closing
$89,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,724.70
Your down payment$76,724.70
Closing costs + prepaids$12,749.43
Total buyer cash needed$89,474.13
Remaining funds due$89,474.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$594.00
Initial HOA (3 months)$201.00
Prepaid interest, first (12 days)$529.43
Fees + prepaids$12,749.43
Your down payment is the seller’s equity. You take over the $418,275 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $89,474.13 is due at closing. Uses and sources reconcile at $507,749.43 each. Not a Closing Disclosure.