Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$82,823Cash toward the purchase price.
Closing costs + prepaids$14,475Not just lender fees.
Before credits & paid funds$97,297The complete starting cash picture.
Estimated remaining funds due at closing
$97,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,822.53
Your down payment$82,822.53
Closing costs + prepaids$14,474.71
Total buyer cash needed$97,297.24
Remaining funds due$97,297.24
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)$518.00
Prepaid interest, first (30 days)$2,281.71
Fees + prepaids$14,474.71
Your down payment is the seller’s equity. You take over the $437,177 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $97,297.24 is due at closing. Uses and sources reconcile at $534,474.71 each. Not a Closing Disclosure.