Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$89,509Cash toward the purchase price.
Closing costs + prepaids$13,107Not just lender fees.
Before credits & paid funds$102,617The complete starting cash picture.
Estimated remaining funds due at closing
$102,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,509.21
Your down payment$89,509.21
Closing costs + prepaids$13,107.44
Total buyer cash needed$102,616.65
Remaining funds due$102,616.65
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)$624.00
Initial HOA (3 months)$162.00
Prepaid interest, first (9 days)$646.44
Fees + prepaids$13,107.44
Your down payment is the seller’s equity. You take over the $430,491 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $102,616.65 is due at closing. Uses and sources reconcile at $533,107.44 each. Not a Closing Disclosure.