Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$75,063Cash toward the purchase price.
Closing costs + prepaids$16,556Not just lender fees.
Before credits & paid funds$91,619The complete starting cash picture.
Estimated remaining funds due at closing
$91,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,063.10
Your down payment$75,063.10
Closing costs + prepaids$16,556.26
Total buyer cash needed$91,619.36
Remaining funds due$91,619.36
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
Initial HOA (3 months)$1,404.00
Prepaid interest, first (28 days)$2,189.76
Fees + prepaids$16,556.26
Your down payment is the seller’s equity. You take over the $443,937 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $91,619.36 is due at closing. Uses and sources reconcile at $535,556.26 each. Not a Closing Disclosure.