Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$72,049Cash toward the purchase price.
Closing costs + prepaids$12,392Not just lender fees.
Before credits & paid funds$84,441The complete starting cash picture.
Estimated remaining funds due at closing
$84,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,049.38
Your down payment$72,049.38
Closing costs + prepaids$12,391.77
Total buyer cash needed$84,441.16
Remaining funds due$84,441.16
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)$563.75
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$57.02
Fees + prepaids$12,391.77
Your down payment is the seller’s equity. You take over the $417,951 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $84,441.16 is due at closing. Uses and sources reconcile at $502,391.77 each. Not a Closing Disclosure.