Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$76,625Cash toward the purchase price.
Closing costs + prepaids$13,829Not just lender fees.
Before credits & paid funds$90,454The complete starting cash picture.
Estimated remaining funds due at closing
$90,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,624.83
Your down payment$76,624.83
Closing costs + prepaids$13,828.91
Total buyer cash needed$90,453.74
Remaining funds due$90,453.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,090.00
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)$636.25
Initial HOA (3 months)$390.00
Prepaid interest, first (16 days)$1,237.66
Fees + prepaids$13,828.91
Your down payment is the seller’s equity. You take over the $432,375 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $90,453.74 is due at closing. Uses and sources reconcile at $522,828.91 each. Not a Closing Disclosure.