Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$88,610Cash toward the purchase price.
Closing costs + prepaids$13,262Not just lender fees.
Before credits & paid funds$101,872The complete starting cash picture.
Estimated remaining funds due at closing
$101,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,610.34
Your down payment$88,610.34
Closing costs + prepaids$13,262.08
Total buyer cash needed$101,872.42
Remaining funds due$101,872.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,298.88
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)$1,324.75
Prepaid interest, first (2 days)$163.45
Fees + prepaids$13,262.08
Your down payment is the seller’s equity. You take over the $441,278 balance, so the rest of the $529,888 price is paid at closing. A second mortgage can cover part of it. $101,872.42 is due at closing. Uses and sources reconcile at $543,150.08 each. Not a Closing Disclosure.