Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$79,201Cash toward the purchase price.
Closing costs + prepaids$14,720Not just lender fees.
Before credits & paid funds$93,921The complete starting cash picture.
Estimated remaining funds due at closing
$93,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,200.75
Your down payment$79,200.75
Closing costs + prepaids$14,720.00
Total buyer cash needed$93,920.75
Remaining funds due$93,920.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,049.99
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)$1,183.50
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$1,936.51
Fees + prepaids$14,720.00
Your down payment is the seller’s equity. You take over the $425,798 balance, so the rest of the $504,999 price is paid at closing. A second mortgage can cover part of it. $93,920.75 is due at closing. Uses and sources reconcile at $519,719.00 each. Not a Closing Disclosure.