Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$79,455Cash toward the purchase price.
Closing costs + prepaids$13,744Not just lender fees.
Before credits & paid funds$93,199The complete starting cash picture.
Estimated remaining funds due at closing
$93,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,454.65
Your down payment$79,454.65
Closing costs + prepaids$13,744.12
Total buyer cash needed$93,198.77
Remaining funds due$93,198.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,090.00
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)$341.25
Prepaid interest, first (23 days)$1,837.87
Fees + prepaids$13,744.12
Your down payment is the seller’s equity. You take over the $429,545 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $93,198.77 is due at closing. Uses and sources reconcile at $522,744.12 each. Not a Closing Disclosure.