Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$93,397Cash toward the purchase price.
Closing costs + prepaids$14,061Not just lender fees.
Before credits & paid funds$107,458The complete starting cash picture.
Estimated remaining funds due at closing
$107,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,397.14
Your down payment$93,397.14
Closing costs + prepaids$14,060.54
Total buyer cash needed$107,457.68
Remaining funds due$107,457.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$1,099.75
Initial HOA (3 months)$67.50
Prepaid interest, first (30 days)$1,318.29
Fees + prepaids$14,060.54
Your down payment is the seller’s equity. You take over the $416,603 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $107,457.68 is due at closing. Uses and sources reconcile at $524,060.54 each. Not a Closing Disclosure.