Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$98,342Cash toward the purchase price.
Closing costs + prepaids$14,792Not just lender fees.
Before credits & paid funds$113,134The complete starting cash picture.
Estimated remaining funds due at closing
$113,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,342.19
Your down payment$98,342.19
Closing costs + prepaids$14,792.22
Total buyer cash needed$113,134.42
Remaining funds due$113,134.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,449.00
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)$1,362.25
Initial HOA (3 months)$399.00
Prepaid interest, first (29 days)$1,106.97
Fees + prepaids$14,792.22
Your down payment is the seller’s equity. You take over the $446,558 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $113,134.42 is due at closing. Uses and sources reconcile at $559,692.22 each. Not a Closing Disclosure.