Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,568Cash toward the purchase price.
Closing costs + prepaids$14,939Not just lender fees.
Before credits & paid funds$100,506The complete starting cash picture.
Estimated remaining funds due at closing
$100,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,567.55
Your down payment$85,567.55
Closing costs + prepaids$14,938.85
Total buyer cash needed$100,506.40
Remaining funds due$100,506.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$777.75
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$2,111.10
Fees + prepaids$14,938.85
Your down payment is the seller’s equity. You take over the $449,432 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $100,506.40 is due at closing. Uses and sources reconcile at $549,938.85 each. Not a Closing Disclosure.