Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$78,209Cash toward the purchase price.
Closing costs + prepaids$13,883Not just lender fees.
Before credits & paid funds$92,093The complete starting cash picture.
Estimated remaining funds due at closing
$92,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,209.46
Your down payment$78,209.46
Closing costs + prepaids$13,883.06
Total buyer cash needed$92,092.52
Remaining funds due$92,092.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,149.90
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)$496.25
Initial HOA (3 months)$660.00
Prepaid interest, first (1 days)$101.91
Fees + prepaids$13,883.06
Your down payment is the seller’s equity. You take over the $536,781 balance, so the rest of the $614,990 price is paid at closing. A second mortgage can cover part of it. $92,092.52 is due at closing. Uses and sources reconcile at $628,873.06 each. Not a Closing Disclosure.