Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$81,413Cash toward the purchase price.
Closing costs + prepaids$12,953Not just lender fees.
Before credits & paid funds$94,366The complete starting cash picture.
Estimated remaining funds due at closing
$94,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,412.94
Your down payment$81,412.94
Closing costs + prepaids$12,953.04
Total buyer cash needed$94,365.98
Remaining funds due$94,365.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,290.00
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)$634.75
Prepaid interest, first (12 days)$553.29
Fees + prepaids$12,953.04
Your down payment is the seller’s equity. You take over the $447,587 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $94,365.98 is due at closing. Uses and sources reconcile at $541,953.04 each. Not a Closing Disclosure.