Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$102,676Cash toward the purchase price.
Closing costs + prepaids$14,865Not just lender fees.
Before credits & paid funds$117,541The complete starting cash picture.
Estimated remaining funds due at closing
$117,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,676.02
Your down payment$102,676.02
Closing costs + prepaids$14,864.51
Total buyer cash needed$117,540.53
Remaining funds due$117,540.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$871.75
Prepaid interest, first (28 days)$2,218.76
Fees + prepaids$14,864.51
Your down payment is the seller’s equity. You take over the $427,224 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $117,540.53 is due at closing. Uses and sources reconcile at $544,764.51 each. Not a Closing Disclosure.