Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$63,985Cash toward the purchase price.
Closing costs + prepaids$12,930Not just lender fees.
Before credits & paid funds$76,916The complete starting cash picture.
Estimated remaining funds due at closing
$76,916No 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$12,930.30
Total buyer cash needed$76,915.74
Remaining funds due$76,915.74
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)$594.00
Initial HOA (3 months)$246.00
Prepaid interest, first (9 days)$665.30
Fees + prepaids$12,930.30
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. $76,915.74 is due at closing. Uses and sources reconcile at $507,930.30 each. Not a Closing Disclosure.