Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$88,963Cash toward the purchase price.
Closing costs + prepaids$12,556Not just lender fees.
Before credits & paid funds$101,518The complete starting cash picture.
Estimated remaining funds due at closing
$101,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,962.55
Your down payment$88,962.55
Closing costs + prepaids$12,555.84
Total buyer cash needed$101,518.39
Remaining funds due$101,518.39
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)$575.00
Initial HOA (3 months)$162.00
Prepaid interest, first (2 days)$143.84
Fees + prepaids$12,555.84
Your down payment is the seller’s equity. You take over the $431,037 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $101,518.39 is due at closing. Uses and sources reconcile at $532,555.84 each. Not a Closing Disclosure.