Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$73,992Cash toward the purchase price.
Closing costs + prepaids$16,345Not just lender fees.
Before credits & paid funds$90,337The complete starting cash picture.
Estimated remaining funds due at closing
$90,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,992.27
Your down payment$73,992.27
Closing costs + prepaids$16,345.04
Total buyer cash needed$90,337.31
Remaining funds due$90,337.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
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)$1,355.00
Initial HOA (3 months)$327.00
Prepaid interest, first (30 days)$2,838.04
Fees + prepaids$16,345.04
Your down payment is the seller’s equity. You take over the $461,008 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $90,337.31 is due at closing. Uses and sources reconcile at $551,345.04 each. Not a Closing Disclosure.