Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$74,411Cash toward the purchase price.
Closing costs + prepaids$13,148Not just lender fees.
Before credits & paid funds$87,559The complete starting cash picture.
Estimated remaining funds due at closing
$87,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,411.10
Your down payment$74,411.10
Closing costs + prepaids$13,148.37
Total buyer cash needed$87,559.47
Remaining funds due$87,559.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,295.00
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)$635.50
Initial HOA (3 months)$300.00
Prepaid interest, first (12 days)$442.87
Fees + prepaids$13,148.37
Your down payment is the seller’s equity. You take over the $455,089 balance, so the rest of the $529,500 price is paid at closing. A second mortgage can cover part of it. $87,559.47 is due at closing. Uses and sources reconcile at $542,648.37 each. Not a Closing Disclosure.