Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$76,408Cash toward the purchase price.
Closing costs + prepaids$13,026Not just lender fees.
Before credits & paid funds$89,433The complete starting cash picture.
Estimated remaining funds due at closing
$89,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,407.50
Your down payment$76,407.50
Closing costs + prepaids$13,025.96
Total buyer cash needed$89,433.47
Remaining funds due$89,433.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,169.99
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)$620.50
Prepaid interest, first (10 days)$760.47
Fees + prepaids$13,025.96
Your down payment is the seller’s equity. You take over the $440,591 balance, so the rest of the $516,999 price is paid at closing. A second mortgage can cover part of it. $89,433.47 is due at closing. Uses and sources reconcile at $530,024.96 each. Not a Closing Disclosure.