Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$81,114Cash toward the purchase price.
Closing costs + prepaids$14,349Not just lender fees.
Before credits & paid funds$95,463The complete starting cash picture.
Estimated remaining funds due at closing
$95,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,113.76
Your down payment$81,113.76
Closing costs + prepaids$14,349.08
Total buyer cash needed$95,462.84
Remaining funds due$95,462.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.99
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)$1,017.00
Initial HOA (3 months)$278.01
Prepaid interest, first (28 days)$1,079.08
Fees + prepaids$14,349.08
Your down payment is the seller’s equity. You take over the $468,885 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $95,462.84 is due at closing. Uses and sources reconcile at $564,348.08 each. Not a Closing Disclosure.