Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$75,414Cash toward the purchase price.
Closing costs + prepaids$13,865Not just lender fees.
Before credits & paid funds$89,279The complete starting cash picture.
Estimated remaining funds due at closing
$89,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,414.29
Your down payment$75,414.29
Closing costs + prepaids$13,864.73
Total buyer cash needed$89,279.02
Remaining funds due$89,279.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,190.00
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)$237.50
Prepaid interest, first (27 days)$1,962.23
Fees + prepaids$13,864.73
Your down payment is the seller’s equity. You take over the $443,586 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $89,279.02 is due at closing. Uses and sources reconcile at $532,864.73 each. Not a Closing Disclosure.