Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$77,408Cash toward the purchase price.
Closing costs + prepaids$13,728Not just lender fees.
Before credits & paid funds$91,136The complete starting cash picture.
Estimated remaining funds due at closing
$91,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,407.50
Your down payment$77,407.50
Closing costs + prepaids$13,728.14
Total buyer cash needed$91,135.64
Remaining funds due$91,135.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,179.99
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)$628.25
Prepaid interest, first (19 days)$1,444.90
Fees + prepaids$13,728.14
Your down payment is the seller’s equity. You take over the $440,591 balance, so the rest of the $517,999 price is paid at closing. A second mortgage can cover part of it. $91,135.64 is due at closing. Uses and sources reconcile at $531,727.14 each. Not a Closing Disclosure.