Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$82,493Cash toward the purchase price.
Closing costs + prepaids$14,938Not just lender fees.
Before credits & paid funds$97,431The complete starting cash picture.
Estimated remaining funds due at closing
$97,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,492.74
Your down payment$82,492.74
Closing costs + prepaids$14,937.80
Total buyer cash needed$97,430.55
Remaining funds due$97,430.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$431.25
Initial HOA (3 months)$177.99
Prepaid interest, first (31 days)$2,563.56
Fees + prepaids$14,937.80
Your down payment is the seller’s equity. You take over the $446,507 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $97,430.55 is due at closing. Uses and sources reconcile at $543,937.80 each. Not a Closing Disclosure.