Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$85,568Cash toward the purchase price.
Closing costs + prepaids$14,048Not just lender fees.
Before credits & paid funds$99,616The complete starting cash picture.
Estimated remaining funds due at closing
$99,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,567.55
Your down payment$85,567.55
Closing costs + prepaids$14,047.96
Total buyer cash needed$99,615.51
Remaining funds due$99,615.51
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)$668.75
Initial HOA (3 months)$225.00
Prepaid interest, first (17 days)$1,329.21
Fees + prepaids$14,047.96
Your down payment is the seller’s equity. You take over the $449,432 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $99,615.51 is due at closing. Uses and sources reconcile at $549,047.96 each. Not a Closing Disclosure.