Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$99,066Cash toward the purchase price.
Closing costs + prepaids$15,523Not just lender fees.
Before credits & paid funds$114,589The complete starting cash picture.
Estimated remaining funds due at closing
$114,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,065.56
Your down payment$99,065.56
Closing costs + prepaids$15,523.42
Total buyer cash needed$114,588.98
Remaining funds due$114,588.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,180.00
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)$1,295.00
Initial HOA (3 months)$330.00
Prepaid interest, first (29 days)$2,243.42
Fees + prepaids$15,523.42
Your down payment is the seller’s equity. You take over the $418,934 balance, so the rest of the $518,000 price is paid at closing. A second mortgage can cover part of it. $114,588.98 is due at closing. Uses and sources reconcile at $533,523.42 each. Not a Closing Disclosure.