Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$80,434Cash toward the purchase price.
Closing costs + prepaids$12,703Not just lender fees.
Before credits & paid funds$93,137The complete starting cash picture.
Estimated remaining funds due at closing
$93,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,433.79
Your down payment$80,433.79
Closing costs + prepaids$12,703.04
Total buyer cash needed$93,136.83
Remaining funds due$93,136.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$427.25
Initial HOA (3 months)$360.00
Prepaid interest, first (1 days)$90.79
Fees + prepaids$12,703.04
Your down payment is the seller’s equity. You take over the $454,566 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $93,136.83 is due at closing. Uses and sources reconcile at $547,703.04 each. Not a Closing Disclosure.