Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$75,351Cash toward the purchase price.
Closing costs + prepaids$12,173Not just lender fees.
Before credits & paid funds$87,524The complete starting cash picture.
Estimated remaining funds due at closing
$87,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,351.08
Your down payment$75,351.08
Closing costs + prepaids$12,172.66
Total buyer cash needed$87,523.74
Remaining funds due$87,523.74
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)$428.25
Initial HOA (3 months)$177.99
Prepaid interest, first (2 days)$141.42
Fees + prepaids$12,172.66
Your down payment is the seller’s equity. You take over the $419,649 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $87,523.74 is due at closing. Uses and sources reconcile at $507,172.66 each. Not a Closing Disclosure.