Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$89,509Cash toward the purchase price.
Closing costs + prepaids$14,208Not just lender fees.
Before credits & paid funds$103,717The complete starting cash picture.
Estimated remaining funds due at closing
$103,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,509.21
Your down payment$89,509.21
Closing costs + prepaids$14,207.68
Total buyer cash needed$103,716.88
Remaining funds due$103,716.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$575.00
Initial HOA (3 months)$162.00
Prepaid interest, first (25 days)$1,795.68
Fees + prepaids$14,207.68
Your down payment is the seller’s equity. You take over the $430,491 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $103,716.88 is due at closing. Uses and sources reconcile at $534,207.68 each. Not a Closing Disclosure.