Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$82,847Cash toward the purchase price.
Closing costs + prepaids$15,877Not just lender fees.
Before credits & paid funds$98,724The complete starting cash picture.
Estimated remaining funds due at closing
$98,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,846.96
Your down payment$82,846.96
Closing costs + prepaids$15,877.07
Total buyer cash needed$98,724.03
Remaining funds due$98,724.03
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)$1,596.50
Prepaid interest, first (30 days)$2,515.57
Fees + prepaids$15,877.07
Your down payment is the seller’s equity. You take over the $446,153 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $98,724.03 is due at closing. Uses and sources reconcile at $544,877.07 each. Not a Closing Disclosure.