Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$87,150Cash toward the purchase price.
Closing costs + prepaids$15,131Not just lender fees.
Before credits & paid funds$102,282The complete starting cash picture.
Estimated remaining funds due at closing
$102,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,150.47
Your down payment$87,150.47
Closing costs + prepaids$15,131.23
Total buyer cash needed$102,281.70
Remaining funds due$102,281.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,249.00
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)$556.00
Initial HOA (3 months)$390.00
Prepaid interest, first (31 days)$2,461.23
Fees + prepaids$15,131.23
Your down payment is the seller’s equity. You take over the $437,750 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $102,281.70 is due at closing. Uses and sources reconcile at $540,031.23 each. Not a Closing Disclosure.