Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$85,252Cash toward the purchase price.
Closing costs + prepaids$14,599Not just lender fees.
Before credits & paid funds$99,851The complete starting cash picture.
Estimated remaining funds due at closing
$99,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,251.81
Your down payment$85,251.81
Closing costs + prepaids$14,599.24
Total buyer cash needed$99,851.05
Remaining funds due$99,851.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$1,155.25
Initial HOA (3 months)$126.00
Prepaid interest, first (22 days)$1,642.99
Fees + prepaids$14,599.24
Your down payment is the seller’s equity. You take over the $434,748 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $99,851.05 is due at closing. Uses and sources reconcile at $534,599.24 each. Not a Closing Disclosure.