Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$74,411Cash toward the purchase price.
Closing costs + prepaids$14,871Not just lender fees.
Before credits & paid funds$89,282The complete starting cash picture.
Estimated remaining funds due at closing
$89,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,411.10
Your down payment$74,411.10
Closing costs + prepaids$14,871.30
Total buyer cash needed$89,282.40
Remaining funds due$89,282.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,295.00
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)$1,841.75
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$959.55
Fees + prepaids$14,871.30
Your down payment is the seller’s equity. You take over the $455,089 balance, so the rest of the $529,500 price is paid at closing. A second mortgage can cover part of it. $89,282.40 is due at closing. Uses and sources reconcile at $544,371.30 each. Not a Closing Disclosure.