Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$74,218Cash toward the purchase price.
Closing costs + prepaids$14,728Not just lender fees.
Before credits & paid funds$88,946The complete starting cash picture.
Estimated remaining funds due at closing
$88,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,218.17
Your down payment$74,218.17
Closing costs + prepaids$14,728.28
Total buyer cash needed$88,946.45
Remaining funds due$88,946.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$1,275.00
Prepaid interest, first (23 days)$1,878.28
Fees + prepaids$14,728.28
Your down payment is the seller’s equity. You take over the $435,782 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $88,946.45 is due at closing. Uses and sources reconcile at $524,728.28 each. Not a Closing Disclosure.