Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$94,631Cash toward the purchase price.
Closing costs + prepaids$13,702Not just lender fees.
Before credits & paid funds$108,333The complete starting cash picture.
Estimated remaining funds due at closing
$108,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,631.03
Your down payment$94,631.03
Closing costs + prepaids$13,701.87
Total buyer cash needed$108,332.90
Remaining funds due$108,332.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$1,287.50
Prepaid interest, first (23 days)$789.37
Fees + prepaids$13,701.87
Your down payment is the seller’s equity. You take over the $420,369 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $108,332.90 is due at closing. Uses and sources reconcile at $528,701.87 each. Not a Closing Disclosure.