Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$82,131Cash toward the purchase price.
Closing costs + prepaids$16,364Not just lender fees.
Before credits & paid funds$98,495The complete starting cash picture.
Estimated remaining funds due at closing
$98,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,130.90
Your down payment$82,130.90
Closing costs + prepaids$16,364.02
Total buyer cash needed$98,494.92
Remaining funds due$98,494.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,740.70
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)$2,000.50
Prepaid interest, first (24 days)$2,147.82
Fees + prepaids$16,364.02
Your down payment is the seller’s equity. You take over the $491,939 balance, so the rest of the $574,070 price is paid at closing. A second mortgage can cover part of it. $98,494.92 is due at closing. Uses and sources reconcile at $590,434.02 each. Not a Closing Disclosure.