Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,343Cash toward the purchase price.
Closing costs + prepaids$15,180Not just lender fees.
Before credits & paid funds$116,523The complete starting cash picture.
Estimated remaining funds due at closing
$116,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,342.87
Your down payment$101,342.87
Closing costs + prepaids$15,180.43
Total buyer cash needed$116,523.30
Remaining funds due$116,523.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,325.00
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)$1,185.75
Initial HOA (3 months)$312.00
Prepaid interest, first (26 days)$1,882.68
Fees + prepaids$15,180.43
Your down payment is the seller’s equity. You take over the $431,157 balance, so the rest of the $532,500 price is paid at closing. A second mortgage can cover part of it. $116,523.30 is due at closing. Uses and sources reconcile at $547,680.43 each. Not a Closing Disclosure.