Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$97,300Cash toward the purchase price.
Closing costs + prepaids$12,287Not just lender fees.
Before credits & paid funds$109,586The complete starting cash picture.
Estimated remaining funds due at closing
$109,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,299.68
Your down payment$97,299.68
Closing costs + prepaids$12,286.53
Total buyer cash needed$109,586.22
Remaining funds due$109,586.22
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)$24.99
Prepaid interest, first (6 days)$242.54
Fees + prepaids$12,286.53
Your down payment is the seller’s equity. You take over the $397,700 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $109,586.22 is due at closing. Uses and sources reconcile at $507,286.53 each. Not a Closing Disclosure.