Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$94,441Cash toward the purchase price.
Closing costs + prepaids$16,061Not just lender fees.
Before credits & paid funds$110,502The complete starting cash picture.
Estimated remaining funds due at closing
$110,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,441.03
Your down payment$94,441.03
Closing costs + prepaids$16,060.78
Total buyer cash needed$110,501.81
Remaining funds due$110,501.81
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)$2,019.25
Initial HOA (3 months)$231.00
Prepaid interest, first (25 days)$1,985.53
Fees + prepaids$16,060.78
Your down payment is the seller’s equity. You take over the $440,559 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $110,501.81 is due at closing. Uses and sources reconcile at $551,060.78 each. Not a Closing Disclosure.