Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$81,188Cash toward the purchase price.
Closing costs + prepaids$14,517Not just lender fees.
Before credits & paid funds$95,706The complete starting cash picture.
Estimated remaining funds due at closing
$95,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,188.10
Your down payment$81,188.10
Closing costs + prepaids$14,517.46
Total buyer cash needed$95,705.56
Remaining funds due$95,705.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.00
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)$1,287.25
Initial HOA (3 months)$648.00
Prepaid interest, first (28 days)$958.21
Fees + prepaids$14,517.46
Your down payment is the seller’s equity. You take over the $433,712 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $95,705.56 is due at closing. Uses and sources reconcile at $529,417.46 each. Not a Closing Disclosure.