Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$81,090Cash toward the purchase price.
Closing costs + prepaids$15,432Not just lender fees.
Before credits & paid funds$96,522The complete starting cash picture.
Estimated remaining funds due at closing
$96,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,090.32
Your down payment$81,090.32
Closing costs + prepaids$15,432.09
Total buyer cash needed$96,522.42
Remaining funds due$96,522.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$1,364.00
Initial HOA (3 months)$126.00
Prepaid interest, first (22 days)$1,967.10
Fees + prepaids$15,432.09
Your down payment is the seller’s equity. You take over the $468,909 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $96,522.42 is due at closing. Uses and sources reconcile at $565,431.09 each. Not a Closing Disclosure.