Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$73,882Cash toward the purchase price.
Closing costs + prepaids$14,447Not just lender fees.
Before credits & paid funds$88,329The complete starting cash picture.
Estimated remaining funds due at closing
$88,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,882.14
Your down payment$73,882.14
Closing costs + prepaids$14,446.93
Total buyer cash needed$88,329.07
Remaining funds due$88,329.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,280.00
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)$427.25
Initial HOA (3 months)$360.00
Prepaid interest, first (21 days)$1,904.68
Fees + prepaids$14,446.93
Your down payment is the seller’s equity. You take over the $454,118 balance, so the rest of the $528,000 price is paid at closing. A second mortgage can cover part of it. $88,329.07 is due at closing. Uses and sources reconcile at $542,446.93 each. Not a Closing Disclosure.