Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$74,237Cash toward the purchase price.
Closing costs + prepaids$13,989Not just lender fees.
Before credits & paid funds$88,226The complete starting cash picture.
Estimated remaining funds due at closing
$88,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,236.94
Your down payment$74,236.94
Closing costs + prepaids$13,988.91
Total buyer cash needed$88,225.85
Remaining funds due$88,225.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,100.00
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)$247.75
Prepaid interest, first (27 days)$2,166.16
Fees + prepaids$13,988.91
Your down payment is the seller’s equity. You take over the $435,763 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $88,225.85 is due at closing. Uses and sources reconcile at $523,988.91 each. Not a Closing Disclosure.