Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$83,481Cash toward the purchase price.
Closing costs + prepaids$14,459Not just lender fees.
Before credits & paid funds$97,940The complete starting cash picture.
Estimated remaining funds due at closing
$97,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,481.30
Your down payment$83,481.30
Closing costs + prepaids$14,458.59
Total buyer cash needed$97,939.89
Remaining funds due$97,939.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$350.00
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$2,209.59
Fees + prepaids$14,458.59
Your down payment is the seller’s equity. You take over the $436,419 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $97,939.89 is due at closing. Uses and sources reconcile at $534,358.59 each. Not a Closing Disclosure.