Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$81,810Cash toward the purchase price.
Closing costs + prepaids$15,615Not just lender fees.
Before credits & paid funds$97,425The complete starting cash picture.
Estimated remaining funds due at closing
$97,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,809.97
Your down payment$81,809.97
Closing costs + prepaids$15,615.42
Total buyer cash needed$97,425.39
Remaining funds due$97,425.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,240.00
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)$1,348.00
Initial HOA (3 months)$195.00
Prepaid interest, first (29 days)$2,357.42
Fees + prepaids$15,615.42
Your down payment is the seller’s equity. You take over the $442,190 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $97,425.39 is due at closing. Uses and sources reconcile at $539,615.42 each. Not a Closing Disclosure.