Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$72,721Cash toward the purchase price.
Closing costs + prepaids$12,928Not just lender fees.
Before credits & paid funds$85,650The complete starting cash picture.
Estimated remaining funds due at closing
$85,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,721.49
Your down payment$72,721.49
Closing costs + prepaids$12,928.33
Total buyer cash needed$85,649.82
Remaining funds due$85,649.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$588.00
Initial HOA (3 months)$396.00
Prepaid interest, first (10 days)$569.33
Fees + prepaids$12,928.33
Your down payment is the seller’s equity. You take over the $417,279 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $85,649.82 is due at closing. Uses and sources reconcile at $502,928.33 each. Not a Closing Disclosure.