Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$76,204Cash toward the purchase price.
Closing costs + prepaids$13,646Not just lender fees.
Before credits & paid funds$89,849The complete starting cash picture.
Estimated remaining funds due at closing
$89,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,203.67
Your down payment$76,203.67
Closing costs + prepaids$13,645.82
Total buyer cash needed$89,849.49
Remaining funds due$89,849.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,280.00
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)$633.50
Initial HOA (3 months)$225.00
Prepaid interest, first (12 days)$1,032.32
Fees + prepaids$13,645.82
Your down payment is the seller’s equity. You take over the $451,796 balance, so the rest of the $528,000 price is paid at closing. A second mortgage can cover part of it. $89,849.49 is due at closing. Uses and sources reconcile at $541,645.82 each. Not a Closing Disclosure.