Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$88,795Cash toward the purchase price.
Closing costs + prepaids$15,496Not just lender fees.
Before credits & paid funds$104,291The complete starting cash picture.
Estimated remaining funds due at closing
$104,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,795.13
Your down payment$88,795.13
Closing costs + prepaids$15,496.02
Total buyer cash needed$104,291.15
Remaining funds due$104,291.15
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)$1,526.75
Initial HOA (3 months)$168.00
Prepaid interest, first (25 days)$2,027.27
Fees + prepaids$15,496.02
Your down payment is the seller’s equity. You take over the $441,105 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $104,291.15 is due at closing. Uses and sources reconcile at $545,396.02 each. Not a Closing Disclosure.