Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$85,252Cash toward the purchase price.
Closing costs + prepaids$15,271Not just lender fees.
Before credits & paid funds$100,523The complete starting cash picture.
Estimated remaining funds due at closing
$100,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,251.81
Your down payment$85,251.81
Closing costs + prepaids$15,271.37
Total buyer cash needed$100,523.18
Remaining funds due$100,523.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
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)$1,155.25
Initial HOA (3 months)$126.00
Prepaid interest, first (31 days)$2,315.12
Fees + prepaids$15,271.37
Your down payment is the seller’s equity. You take over the $434,748 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $100,523.18 is due at closing. Uses and sources reconcile at $535,271.37 each. Not a Closing Disclosure.