Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$75,351Cash toward the purchase price.
Closing costs + prepaids$12,102Not just lender fees.
Before credits & paid funds$87,453The complete starting cash picture.
Estimated remaining funds due at closing
$87,453No 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$12,101.95
Total buyer cash needed$87,453.03
Remaining funds due$87,453.03
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 (1 days)$70.71
Fees + prepaids$12,101.95
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. $87,453.03 is due at closing. Uses and sources reconcile at $507,101.95 each. Not a Closing Disclosure.