Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$80,882Cash toward the purchase price.
Closing costs + prepaids$15,061Not just lender fees.
Before credits & paid funds$95,943The complete starting cash picture.
Estimated remaining funds due at closing
$95,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,882.14
Your down payment$80,882.14
Closing costs + prepaids$15,061.13
Total buyer cash needed$95,943.27
Remaining funds due$95,943.27
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)$427.25
Initial HOA (3 months)$360.00
Prepaid interest, first (27 days)$2,448.88
Fees + prepaids$15,061.13
Your down payment is the seller’s equity. You take over the $454,118 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $95,943.27 is due at closing. Uses and sources reconcile at $550,061.13 each. Not a Closing Disclosure.