Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$63,985Cash toward the purchase price.
Closing costs + prepaids$14,088Not just lender fees.
Before credits & paid funds$78,073The complete starting cash picture.
Estimated remaining funds due at closing
$78,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,985.44
Your down payment$63,985.44
Closing costs + prepaids$14,087.89
Total buyer cash needed$78,073.33
Remaining funds due$78,073.33
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)$421.00
Initial HOA (3 months)$246.00
Prepaid interest, first (27 days)$1,995.89
Fees + prepaids$14,087.89
Your down payment is the seller’s equity. You take over the $431,015 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $78,073.33 is due at closing. Uses and sources reconcile at $509,087.89 each. Not a Closing Disclosure.