Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$74,237Cash toward the purchase price.
Closing costs + prepaids$14,310Not just lender fees.
Before credits & paid funds$88,547The complete starting cash picture.
Estimated remaining funds due at closing
$88,547No 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$14,309.82
Total buyer cash needed$88,546.76
Remaining funds due$88,546.76
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 (31 days)$2,487.07
Fees + prepaids$14,309.82
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. $88,546.76 is due at closing. Uses and sources reconcile at $524,309.82 each. Not a Closing Disclosure.