Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$83,487Cash toward the purchase price.
Closing costs + prepaids$15,002Not just lender fees.
Before credits & paid funds$98,489The complete starting cash picture.
Estimated remaining funds due at closing
$98,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,487.21
Your down payment$83,487.21
Closing costs + prepaids$15,001.77
Total buyer cash needed$98,488.99
Remaining funds due$98,488.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$1,297.50
Prepaid interest, first (27 days)$2,039.27
Fees + prepaids$15,001.77
Your down payment is the seller’s equity. You take over the $435,513 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $98,488.99 is due at closing. Uses and sources reconcile at $534,001.77 each. Not a Closing Disclosure.