Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$92,057Cash toward the purchase price.
Closing costs + prepaids$16,129Not just lender fees.
Before credits & paid funds$108,186The complete starting cash picture.
Estimated remaining funds due at closing
$108,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,057.15
Your down payment$92,057.15
Closing costs + prepaids$16,129.18
Total buyer cash needed$108,186.33
Remaining funds due$108,186.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,938.50
Prepaid interest, first (27 days)$2,365.68
Fees + prepaids$16,129.18
Your down payment is the seller’s equity. You take over the $442,943 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $108,186.33 is due at closing. Uses and sources reconcile at $551,129.18 each. Not a Closing Disclosure.