Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$81,152Cash toward the purchase price.
Closing costs + prepaids$14,329Not just lender fees.
Before credits & paid funds$95,481The complete starting cash picture.
Estimated remaining funds due at closing
$95,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,152.35
Your down payment$81,152.35
Closing costs + prepaids$14,328.67
Total buyer cash needed$95,481.03
Remaining funds due$95,481.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$364.00
Prepaid interest, first (24 days)$2,139.67
Fees + prepaids$14,328.67
Your down payment is the seller’s equity. You take over the $453,848 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $95,481.03 is due at closing. Uses and sources reconcile at $549,328.67 each. Not a Closing Disclosure.