Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$81,413Cash toward the purchase price.
Closing costs + prepaids$13,690Not just lender fees.
Before credits & paid funds$95,103The complete starting cash picture.
Estimated remaining funds due at closing
$95,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,412.94
Your down payment$81,412.94
Closing costs + prepaids$13,689.94
Total buyer cash needed$95,102.88
Remaining funds due$95,102.88
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)$772.25
Prepaid interest, first (25 days)$1,152.69
Fees + prepaids$13,689.94
Your down payment is the seller’s equity. You take over the $447,587 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $95,102.88 is due at closing. Uses and sources reconcile at $542,689.94 each. Not a Closing Disclosure.