Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$74,479Cash toward the purchase price.
Closing costs + prepaids$15,540Not just lender fees.
Before credits & paid funds$90,020The complete starting cash picture.
Estimated remaining funds due at closing
$90,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,479.44
Your down payment$74,479.44
Closing costs + prepaids$15,540.26
Total buyer cash needed$90,019.70
Remaining funds due$90,019.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.00
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)$1,364.75
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$2,371.51
Fees + prepaids$15,540.26
Your down payment is the seller’s equity. You take over the $440,421 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $90,019.70 is due at closing. Uses and sources reconcile at $530,440.26 each. Not a Closing Disclosure.