Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$87,827Cash toward the purchase price.
Closing costs + prepaids$14,602Not just lender fees.
Before credits & paid funds$102,429The complete starting cash picture.
Estimated remaining funds due at closing
$102,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,826.99
Your down payment$87,826.99
Closing costs + prepaids$14,601.53
Total buyer cash needed$102,428.52
Remaining funds due$102,428.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
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)$438.00
Initial HOA (3 months)$240.00
Prepaid interest, first (24 days)$2,048.53
Fees + prepaids$14,601.53
Your down payment is the seller’s equity. You take over the $452,173 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $102,428.52 is due at closing. Uses and sources reconcile at $554,601.53 each. Not a Closing Disclosure.