Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$89,511Cash toward the purchase price.
Closing costs + prepaids$14,311Not just lender fees.
Before credits & paid funds$103,822The complete starting cash picture.
Estimated remaining funds due at closing
$103,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,510.58
Your down payment$89,510.58
Closing costs + prepaids$14,311.23
Total buyer cash needed$103,821.81
Remaining funds due$103,821.81
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)$565.25
Prepaid interest, first (24 days)$1,971.98
Fees + prepaids$14,311.23
Your down payment is the seller’s equity. You take over the $440,389 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $103,821.81 is due at closing. Uses and sources reconcile at $544,211.23 each. Not a Closing Disclosure.