Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$97,389Cash toward the purchase price.
Closing costs + prepaids$13,157Not just lender fees.
Before credits & paid funds$110,546The complete starting cash picture.
Estimated remaining funds due at closing
$110,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,389.38
Your down payment$97,389.38
Closing costs + prepaids$13,156.75
Total buyer cash needed$110,546.13
Remaining funds due$110,546.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$651.00
Prepaid interest, first (25 days)$830.75
Fees + prepaids$13,156.75
Your down payment is the seller’s equity. You take over the $422,611 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $110,546.13 is due at closing. Uses and sources reconcile at $533,156.75 each. Not a Closing Disclosure.