Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$76,845Cash toward the purchase price.
Closing costs + prepaids$15,956Not just lender fees.
Before credits & paid funds$92,800The complete starting cash picture.
Estimated remaining funds due at closing
$92,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,844.54
Your down payment$76,844.54
Closing costs + prepaids$15,955.68
Total buyer cash needed$92,800.23
Remaining funds due$92,800.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$2,198.50
Initial HOA (3 months)$117.99
Prepaid interest, first (26 days)$2,064.19
Fees + prepaids$15,955.68
Your down payment is the seller’s equity. You take over the $433,155 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $92,800.23 is due at closing. Uses and sources reconcile at $525,955.68 each. Not a Closing Disclosure.