Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$79,011Cash toward the purchase price.
Closing costs + prepaids$14,080Not just lender fees.
Before credits & paid funds$93,090The complete starting cash picture.
Estimated remaining funds due at closing
$93,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,010.67
Your down payment$79,010.67
Closing costs + prepaids$14,079.76
Total buyer cash needed$93,090.42
Remaining funds due$93,090.42
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)$634.75
Initial HOA (3 months)$36.00
Prepaid interest, first (22 days)$1,834.01
Fees + prepaids$14,079.76
Your down payment is the seller’s equity. You take over the $430,989 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $93,090.42 is due at closing. Uses and sources reconcile at $524,079.76 each. Not a Closing Disclosure.